Do I Notify My Insurance Company After an Accident?

It’s normal to have many questions following a car accident. One of the first things you may be wondering is whether or not you should contact your insurance company. Perhaps you feel it’s unnecessary to call your insurance company if the accident was not your fault because you are expecting the other drivers insurance company to accept responsibility.

In this short video attorney Scott Fitzgerald discusses why it’s important for you to contact your insurance company after an accident, even if the accident was not your fault.

There are several types of coverage on your policy that may help you

Even if you were not at fault, there are several types of coverage you may have on your insurance policy that may still help you if you are in an accident.

There may be consequences if you don’t report your accident to your insurance company

If the other driver claims that you were at-fault in the accident, your insurance company may refuse to defend you if they had no previous knowledge of the accident.

What to tell your insurance company

Do not give a recorded statement to the insurance company. When you call to report your accident, simply stick to the facts by telling them the location, date, and time of the accident. Never address the issue of fault with them until you have consulted with a personal injury attorney.


It’s important to contact your insurance company promptly if you have been involved in a car accident, regardless of whether or not you were at-fault. If you are injured in a car accident, contact an experienced personal injury attorney who can help you navigate the complexities of a personal injury claim.

About The Speaker: Scott Fitzgerald is a personal injury attorney with the Allen Law Firm. He represents the fourth generation of Allen’s who have dedicated their lives to fighting for the rights of others. Scott attended the College of William and Mary for both his undergraduate studies as well as law school. He was recently selected as one of the National Trial Lawyer’s Top 40 Under 40.