What Will Happen If I Fail To Notify My Insurance Company After My Car Accident?
If you’re injured in a car accident that wasn’t your fault, it might seem counter-intuitive to notify your own auto insurance company after the wreck. “Indeed,” you wonder, “isn’t it the at fault driver’s insurance company’s responsibility to compensate me for my losses?” You might also worry that if you notify your own auto insurance carrier, they will assume that you were at fault for causing the car accident.
Although your concerns are understandable, Georgia Code § 33-7-11(h) requires you to notify your own auto insurance carrier that the collision occurred “within a reasonable time” regardless of whether you were at fault. If you don’t notify your insurance carrier and you later decide to pursue an underinsured or uninsured motorist claim against your own insurer, your insurer might deny your claim.
If you or someone you love has been injured in a car accident, you should contact an Atlanta car accident lawyer. Your lawyer will make sure that you comply with all procedural requirements so that you can obtain fair compensation for your losses. The lawyers at Allen & Scofield Injury Lawyers, LLC have recovered millions of dollars for car accident victims that were injured by uninsured or underinsured motorists. We understand that a successful claim begins with timely notifying all drivers’ and passengers’ insurance carriers that the collision occurred.
Practical Advantages To Notifying Your Insurance Carrier About the Car Accident
Many of our clients are surprised to learn that Georgia only requires drivers to carry $25,000 liability insurance coverage per person and $50,000 liability insurance coverage per accident. Due to that low insurance requirement, if you’re seriously injured in a car collision, the at fault driver’s insurance coverage likely won’t be sufficient to compensate you for your losses. Usually, the only additional insurance coverage that is available to you is from your own auto insurance policy. The sooner you notify your insurance carrier about the collision, the sooner you’ll be able to collect the available insurance money and move forward with your life.
Additionally, depending upon the coverages that you purchased on your own insurance policy, it may be advisable to initially process your claim through your own insurance carrier. For instance, you may have purchased rental car reimbursement coverage. If you purchased that coverage, your insurer will quickly provide you with a rental vehicle. They will also process your collision damage claim if you like. Typically, it takes less time to process a collision damage claim through your own insurance carrier than it does to process the claim through the at fault driver’s insurance carrier.
You may have also purchased medical payments coverage on your insurance policy. If you did, you can submit your medical bills to your own insurer and request reimbursement for the bills up to the amount of coverage that you purchased. It typically takes less time to process those medical payment claims through your own insurance carrier than it does to process the claim through the at fault driver’s insurance carrier. However, if your injuries are serious, your medical payments coverage won’t be enough to cover your medical bills. As such, you would also need to file a personal injury claim with the at fault driver’s insurance carrier, which is something you should really do in any case regardless of the severity of your injuries.
Reach out to a car insurance lawyer from Allen & Scofield Injury Lawyers, LLC if you have questions about filing a claim through your own insurance carrier.
If I Make A Claim Against My Own Insurance Carrier Won’t My Premiums Increase?
No. It is against the law for your own insurance carrier to raise your premiums if you make an uninsured or underinsured motorist claim.
Georgia Code 33-9-40 provides that “no insurer shall surcharge the premium or rate charged on a policy of motor vehicle insurance or cancel such policy as a result of the insured’s person in a multivehicle accident when such person was not at fault in such accident.”
Allen & Scofield Injury Lawyers, LLC Can Help
It is very important that you notify your own auto insurance carrier soon after the collision occurs. Although Georgia Code § 33-7-11(h) only requires you to notify your insurance carrier “within a reasonable time” after you’ve filed a lawsuit, many insurance policies require you to give notice at the earliest possible opportunity that you consider making a claim.
In order to cover your tail, you should hire an Atlanta car accident lawyer. Your attorney can order a copy of the complete auto insurance policy from your auto insurance carrier and make sure that you’ve complied with their specific notification requirements. That way, you can have peace of mind that your auto insurer won’t deny your claim on the basis that you failed to give them notice of the car accident.
Contact the lawyers at Allen & Scofield Injury Lawyers, LLC if you have any questions about how to notify your own auto insurance company about the accident that injured you.