Automobile Accidents

Absolutely not! More often than not, the other driver’s insurance company is calling to obtain information which can be used against you as you seek to recover losses. Respectfully decline their request and inform them that if they would like a copy of your statement, they may contact your insurance carrier directly.

It is always a good idea to call the police at the time of an automobile accident. Although all insurance carriers have different policies regarding the necessity of a police report when filing a claim, many will accept an auto insurance claim without one. Nonetheless, police reports are helpful in determining the involved parties and documenting who was at fault. This information will assist your insurance company in their investigation and may expedite the resolution of the claim.

If you are involved in a car accident, you should seek necessary medical treatment immediately. Even if you are not injured, it is important that you call the police and file a formal police report which can later assist with insurance claims and any lawsuits which may follow.

During this time, you will be required to show your driver’s license and documentation of your insurance coverage. It is important that you obtain this information from the other driver as well. If you have a camera, you should take a photo of the scene or soon after to show any damage to your vehicle. You should also contact your insurance carrier as soon as possible so they can instruct you on the necessary steps to file your claim. You should also request a No-Fault application from your insurance carrier at this time.

To ensure that you receive the greatest settlement possible, contact a personal injury attorney who can initiate an investigation before witnesses forget their testimonials and evidence is lost.

Typically, your own insurance carrier will provide coverage for all necessary medical bills and lost wages up to $50,000.00 under the no-fault portion of your policy (and sometimes more if the owner of the vehicle has purchased additional no-fault coverage beyond the statutory minimum).  However, in order to receive no-fault benefits, a no-fault claim must be filed within 30 days from the date of the accident with the correct insurance carrier:

1. the insurance carrier for the vehicle in which you were an occupant as either a driver or passenger;
2. the insurance carrier of the vehicle that struck you if you were a pedestrian;
3. or, in some instances, the insurance carrier for any vehicle in your household.

The No-Fault claim provides basic coverage in automobile related accidents for medical expenses and lost wages. The No-Fault law was enacted to make sure that persons injured in motor vehicle accidents receive coverage for medical expenses and lost wages.