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Should I Notify My Own Insurance Company After a Car Accident If Someone Else Was At Fault?

Car accidents are consistently a leading cause of injuries in California. Insurance industry data shows that the average motorist in our region is involved in approximately four crashes over the course of their lifetime. Knowing what to do after a collision can help to relieve a lot of the stress and frustration. This raises an important question: Should I notify my insurance company if another driver was at fault for the crash? The short answer is “yes”—you should always notify your own insurance company after a wreck. Here, our Stockton auto accident attorney provides a guide to dealing with your own insurance company after a crash caused by someone else. 

Background: California is Fault-Based Car Accident State (At-Fault Party Pays for Damages)

Fault is a big issue for car accident injury claims in California. Similar to the majority of U.S. states, a fault-based liability standard applies in California. The driver (or other party) who caused the accident is responsible for paying for the damages. When an accident occurs, the at-fault driver’s insurance company is expected to cover the costs of vehicle repairs, medical expenses, and other losses suffered by the other party. The system allows the injured party to seek compensation directly from the at-fault driver’s insurer. 

Three Reasons Why You Need to Notify Your Own Insurer After a Crash

  • Your Own Policy Very Likely Requires Notice of All Accidents

First and foremost, you should notify your own insurance company of the crash because you likely are required to do so as a matter of your contract. Indeed, most auto insurance policies mandate that you report any accident you are involved in— regardless of fault. The requirement is designed to keep the insurer informed and allows them to prepare for any possible claims. Failing to notify your insurer promptly can lead to complications in coverage, including the denial of a claim. In some cases, an insurance company may even invalidate coverage going forward because a policyholder failed to provide notification of an accident. 

  • Fault May End Up Disputed (Other Insurance Company Can Make Things Challenging)

How do you know that another party is at fault for your crash? Did they admit it? Does the police report say it? Even so, there could still end up being a dispute. Notifying your own insurer after a crash is crucial because fault is not always clear and can later be disputed. Sadly, you may be stuck dealing with another driver who is dishonest during the claims process. Further, in some cases, even if a driver admits fault, their insurance company may still challenge the claims or the determination of fault to minimize their financial responsibility. By informing your insurer early, you enable them to gather evidence, construct a robust defense on your behalf. Do not assume that fault is a resolved issue until your claim is finalized and you have received a settlement. Be proactive. 

  • You May Have Immediate Benefits Through Your Own Coverage

After an accident, your own auto insurance policy might offer immediate benefits such as medical payments coverage, collision coverage, and rental car provisions. These benefits can provide crucial financial support even before fault is determined. Accessing these features can help cover initial costs without waiting for the other party’s insurance to settle. Medpay can be especially useful. It is a type of common—but not mandatory—insurance coverage in California. As explained simply by AAA, Med-Pay coverage is “a type of car insurance that helps pay for medical expenses for you and your passengers if you’re in a car accident.” It applies regardless of fault. 

When Do You Have to Notify Your Insurer of a Crash?

The specific deadline for notifying your insurer of a crash will vary depending on the terms of your auto insurance coverage. Here is a good overview of the rule: Insurers often require their policyholders to report an accident as soon as possible. A report within 24 to 72 hours of the incident is generally believed to be reasonable. However, some policies may allow for more extended periods—such as up to 30 days. You should always check your specific policy terms. Still, it is best to provide notice as soon as possible. 

You Do Not Have to Give a Full Statement to Your Own Insurer (Notice is Basic)

When notifying your insurer of a crash, you are not required to provide a full statement immediately. Initially, only basic details of the incident are necessary. You can simply inform them about the time, location, and nature of the accident. Further details can be discussed after you have had an opportunity to talk with an experienced attorney. 

Indeed, before you provide a recorded statement to any insurance company—including your own provider—it is a best practice to consult with an experienced Stockton car accident lawyer. Your attorney can review your case, explain the process, and handle all correspondence with insurers. Your own insurance company is not on your side. An attorney can protect your rights. 

Car Crash Victims in Stockton Depend On Redkey Gordon Law Corp

Car accident claims are challenging. Even if another driver was at fault for your accident, it can still be difficult to get justice and compensation. Sadly, you cannot even rely on your own insurance company to look out for your best interests after a crash. At Redkey Gordon Law Corp, we have what it takes to deliver successful case results for victims and families. An initial consultation with our Stockton car accident lawyer is free, confidential, and carries absolutely no obligations. 

Contact Our Stockton Car Accident Attorney Today

At Redkey Gordon Law Corp, our Stockton automobile accident lawyer is standing by, ready to help you navigate the challenges of the personal injury claims process. If you have any questions about dealing with your own insurance company after a crash that was not your fault, we can help. Contact us right away for your free, no obligation case evaluation. With a legal office in Stockton, our team handles motor vehicle accident cases throughout the San Joaquin Valley region.