Should I Call My Insurance Company After an Accident?

Author: Scott D. Fitzgerald, Richmond Personal Injury Lawyer

Yes.  Regardless of who is at fault, it is important to call your insurance company and report any accident that involved injuries or property damage.

A common myth is that you do not need to contact your insurance company if you were not at fault.  This is false, because there are several coverages on your insurance policy that you may want or need to use. In order to use any of these, you are required to notify your insurance company of a collision. 

Collision Insurance Coverage 

The first type of coverage you may want to use is our collision coverage.[1] If the at-fault driver's insurance company is slow to accept responsibility for the accident, then you may need to get your car repaired or replaced under the collision coverage of your own insurance policy.  Your insurance company will then seek reimbursement from the at-fault party's insurance.

To use this coverage, you must promptly notify your insurance company of the accident. Otherwise, you might have to pay for repairs out of your own pocket, and then negotiate your property damage settlement with the at-fault driver's liability carrier, which could take months. In addition, while you are waiting for the liability carrier to accept responsibility, you may have storage charges accruing while your car is secured in a tow lot.[2]

Towing Insurance Coverage

The second type of coverage you may want to use is towing insurance. This coverage, true to its name, will pay the cost of your vehicle being towed and your insurance company will then seek to be paid back by the other person's insurance.  Otherwise, you may have to pay the towing charge while you wait for the other person's insurance to accept responsibility. Under both collision coverage and towing insurance, if your company is able to recover the money they paid from the at-fault driver's company, then neither of these claims will affect your insurance rates.

Medical Expense Insurance Coverage ("Med Pay")

If you are injured in a collision, then you may want to use any medical payments or medical expense coverage you have on your policy.[3] This coverage will pay any medical expenses you have as a result of the accident, regardless of who is at fault and regardless of any other insurance. Under Virginia law, if you make a claim for this coverage, the insurance company cannot raise your rates.

Your insurance company can defend you

Finally, and perhaps most importantly, the other driver may claim that you are at fault and pursue a claim against you. Even if you know you are not at fault, you do not want to have to pay the cost of defending yourself. Under the terms of your insurance policy, your insurance company is required to provide a defense to you, free of charge, if a claim is brought against you.

Notify your insurance company

To have the benefit of any of these coverages on your policy, you are required to report the accident to your insurance company. You must do this within a reasonable amount of time. If you do not, your insurance company is permitted to deny coverage. Do not fall into the trap of believing that notification is not necessary because the at-fault party should pay your claim.

An Exception

There is a type of insurance coverage available to you through your own insurance carrier that does not require you to notify your insurance company of an accident within a reasonable amount of time.[4] This type of insurance coverage is called Uninsured and Underinsured Motorist ("UM/UIM") coverage. If the at-fault driver in your accident does not have insurance at all or does not have enough insurance to cover your loss, then this type of coverage may provide a source of payment for your damages.

Recorded Statements

Remember, you should be careful what you say when you call your insurance company to report a collision. Tell them that you were involved in an accident and give them general background information, including the date, time, location of the accident, and names and addresses of all parties involved.  It is best not to discuss the issue of fault until you have consulted with an attorney. You are under no legal obligation to provide a recorded statement within a certain time period, so you can politely decline to give a statement until you feel better.

In sum, it is important to report any accident to your insurance company promptly in order to avoid giving your insurance company a basis for denying coverage that may otherwise be available to you, but it is equally important not to discuss the issue of fault with anyone until after you have sought the advice of an attorney.

About the Author: Scott Fitzgerald is the great grandson of the Firm's founder, George E. Allen, Sr., and is the fourth generation of the Allen family to join the Allen Law Firm. He is a Richmond personal injury lawyer focusing his practice on car accident cases in the Richmond, VA area. Scott is dedicated to protecting the best interests of his clients and defending their rights against insurance companies.


[1] For a fuller explanation of collision coverage, see "Automobile Insurance: Comprehensive and Collision Coverage"

[2] Most car repair facilities charge daily storage if your car sits for more than a few days. Sometimes these storage charges can become greater than the value of the car! If your car sits too long, the storage facility can seek to auction off your car to pay for the storage charges.

[3] Medical expense or medical payments coverage is an optional coverage that your auto insurance company must offer to you, but you do not have to purchase. It's excellent coverage to have. See "Understanding A Motor Vehicle Insurance Policy: Medical Payments Coverage (Virginia)."

[4] The uniform policy as specified by the Virginia State Corporation Commission Bureau of Insurance states as follows: "E. Duties After An Accident or Loss. We have no duty to provide coverage under this policy if the failure to comply with the following duties is prejudicial to us:  A. We must be notified promptly of how, when, and where the accident or loss happened.  Notice should also include the names and addresses of any injured persons and of any witnesses. "See form policy at www.scc.virginia.gov/ Furthermore, Va. Code §38.2-2201.D. states as follows: "This provision [requiring insurance coverage] shall apply notwithstanding the failure or refusal of the named insured or such other person to cooperate with the insurer under the terms of the policy. If the failure or refusal to cooperate prejudices the insurer in the defense of an action for damages arising from the operation or use of such insured motor vehicle, then the endorsement or provision shall be void." See http://law.lis.virginia.gov/vacode/title38.2/chapter22/section38.2-2204/

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