Any time you're involved in any kind of accident involving property loss and/or injury, so that the filing of an insurance claim is possible—whether through your own insurance coverage or another party's carrier—you should contact your own insurance company and let them know about what happened. Read on to learn more.
It's a good idea to get in touch with your insurance carrier within 72 hours of any incident that may prompt the filing of a claim. Your policy may contain details on any notification deadlines (or the policy may simply state that policyholders must notify the carrier of any injuries "within a reasonable time".)
What kind of incident should prompt you to notify your insurer? That depends, but there are a few scenarios when you absolutely should get in touch with your insurer (and indeed may be mandated to do so under the terms of your policy). For example:
In addition to these two common scenarios, for a good rule of thumb when deciding whether to report an incident to your insurance carrier, ask yourself:
If the answer to either one of these questions is "yes," it's a good idea to notify your insurance company about the incident, and co-operate in any resulting claim investigation. (Learn more about how an insurance company investigates an injury-related claim.)
No matter who you talk to, whether it’s your own agent who you’ve dealt with in the past or just an adjuster in the claims department, make sure you’ve provided all details relevant to the incident: who was involved, how the incident happened, who witnessed the incident, who was injured, what property was damaged, etc. The insurance agent will likely elicit this information from you in a series of questions. It’s important to be as honest and as thorough as possible as to the specifics. Keep in mind, though, if you get a call from a possible opposing party's representative, it's best to refrain from giving too much information.
Before you hang up on this initial call, make sure to note who you’re speaking with and get confirmation that the information you provided will be filed with the carrier’s claims office. In the next few days, you should receive a formal letter documenting your claim. If you don’t receive this letter, follow up with the claims office directly.
What happens next will depend on whether a claim is filed over the incident. That means either:
In either case, if a claim is filed, you’ll need to co-operate with the carrier’s investigation, and that may include allowing the insurance company to inspect your property or your vehicle for any damage, and/or letting the insurance company examine any medical records related to the nature and extent of injuries you're claiming.