Report Minor Accidents to Your Insurance Company

Report Minor Accidents to Your Insurance Company

Contractually speaking, nearly all auto insurance companies require a driver to report an accident they’re involved in, no matter how “minor.” However, in a seemingly minor accident, the parties might agree to work things out amongst themselves. It’s less hassle and they believe their insurance rates won’t go up. Bad idea…and here’s why.

After an accident, some injuries may take days or weeks to manifest. If you don’t report the accident to your insurance company right away, your account of the situation later may come into question.

If you were ticketed or issued a citation at the scene of a minor fender bender, word will get back to your insurance company. Don’t drag your feet in reporting it. An unreported accident might cause your premiums to not just rise, but skyrocket. Worse, your coverage may be discontinued.

Even if you were not at fault and decide to work things out with the other driver, the other driver may size up the situation differently once they’re at home. If they decide to file claim days or weeks later, your insurance company may deny you certain protections since you failed to report the accident to them.

The only time it might make sense to avoid reporting an accident is if it occurs on your own property, no injuries are involved, and the only damage is to property you own (e.g., backing into your garage door). In this scenario, there are no disputes about fault or cost of repairs.

If you are involved in an auto accident, contact an auto accident attorney for guidance and to protect your rights.

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JACK V. CORRADINO, ROBERT C. PAPA, JR., JOSEPH A. DEFURIA, TIMOTHY J. FONSECA, AND FRANCIS J. SWEENEY III ARE ALL CERTIFIED BY THE SUPREME COURT AS CIVIL TRIAL ATTORNEYS. Corradino & Papa, LLC is located in Clifton, NJ and serves clients in and around Newark, Irvington, Harrison, East Orange, Orange, Belleville, Hillside, Maplewood, South Orange, Kearny, West Orange, Elizabeth, Glen Ridge, Bloomfield, North Arlington, Vauxhall, Union, Montclair, Millburn, Lyndhurst, Nutley, Bergen County, Essex County, Hudson County and Union County. See All Locations Attorney Advertising. This website is designed for general information only. The information presented at this site should not be construed to be formal legal advice nor the formation of a lawyer/client relationship. The hiring of an attorney is an important decision. The information you obtain in this website is not, nor is it intended to be legal advice. You should contact an attorney for individual advice regarding your situation. Results may vary depending on your particular facts and legal circumstances. No aspect of this advertising has been approved by the supreme court. Here are the criteria for the various awards we’ve won: Disclaimer : Results may vary depending on your particular facts and legal circumstances.

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