Most auto insurance companies require their policyholders to promptly report every auto accident. Your insurance company will want to gather all of the basic information concerning the accident for its records - whether you are at fault or not. Sometimes the insurance company will want your authorization to make a recorded statement concerning the accident. We suggest that if you or your passengers were injured in the accident, or if you believe the insurance company might try to claim you are not covered or you have any concerns about the adequacy of your coverage, you should contact an attorney before you go any further, and certainly before you give the insurance company permission to record your conversation (NOTE: You should never give a statement to the other driver’s insurance company without consulting with an attorney). However, bear in mind that failure to provide information to your insurance company on a timely basis - your policy will set forth how quickly you must notify the company - could result in loss of coverage for the accident, without it constituting bad faith by the insurer.

Should I contact my own insurance company?

 

A: Most auto insurance companies require their policyholders to promptly report every auto accident. Your insurance company will want to gather all of the basic information concerning the accident for its records - whether you are at fault or not. Sometimes the insurance company will want your authorization to make a recorded statement concerning the accident. We suggest that if you or your passengers were injured in the accident, or if you believe the insurance company might try to claim you are not covered or you have any concerns about the adequacy of your coverage, you should contact an attorney before you go any further, and certainly before you give the insurance company permission to record your conversation (NOTE: You should never give a statement to the other driver’s insurance company without consulting with an attorney). However, bear in mind that failure to provide information to your insurance company on a timely basis - your policy will set forth how quickly you must notify the company - could result in loss of coverage for the accident, without it constituting bad faith by the insurer.