When you are involved in a car accident, you typically rely on your insurance coverage to handle the consequences of your injuries. However, if you don’t act quickly, you may lose your chance to recover compensation for your damages. To make a valid insurance claim, you must report your accident within a specific timeframe. Please continue reading as we explore the importance of prompt reporting after a collision and how an experienced New York City Car Accident Attorney can help you effectively navigate the claims process.
How Long Do You Have to Report a Car Accident to the Insurance Company?
If you’ve been involved in a car accident in New York, you should report the incident as soon as possible to your insurance company, as well as the police. If the accident resulted in any injuries or property damage that exceeds $1,000, you must file an accident report with the Department of Motor Vehicles.
Generally, insurance companies require policyholders to report a car accident within 24 hours of the incident happening. This allows them to get the ball rolling with the claims process. It’s important to carefully review your insurance policy to determine exactly what reporting requirements are included so that you comply with them and minimize any difficulty in the handling of your claim.
Why is Prompt Reporting Essential?
Reporting a car accident to the insurance company immediately is crucial. First and foremost, it ensures the accurate documentation of the incident while the evidence remains readily accessible. This includes information such as the date, time, and location of the accident, the parties involved, the extent of damages, and any injuries sustained. Prompt reporting allows for the preservation of this information before memories fade or evidence deteriorates.
If you delay reporting, it can be much harder to prove your case, especially if there are disputes about fault or the extent of your damages. It’s important to understand that the sooner you report the accident, the better your chances will be to recover the compensation you need to get your life back on track. Prompt reporting allows the insurance company to begin its investigation of the accident and process your claim quickly, meaning you can recover compensation for your damages faster.
If you breach your contract by failing to file your claim within the right timeframe, it could lead to serious consequences including your insurance company denying your accident claim. This could leave you responsible for the full cost of your repairs and medical bills. In some cases, it may even result in your policy being canceled or you could face increased insurance premiums in the future.
At Swerling Law, we are prepared to help you navigate each phase of the claims process and fight for the maximum compensation to which you are entitled. Connect with our firm today to learn more about what we can do for you during these tough times.
