How Soon Do I Need to Report an Accident to My Insurance Company in CA?

When you are involved in a collision, it can be an incredibly overwhelming matter. One of the most important steps you must take is exchanging insurance information with the other driver involved. However, once you have their information, you may not know how long you have to file a claim with your insurance company. The following blog explores when you need to file the report and what information to include. Additionally, you will discover how our Irvine auto accident lawyers can assist you during these difficult matters.

How Long Do I Have to File a Report With My Insurance Company?

In the event you are involved in an accident, it is important to know how to proceed with your insurance information. Generally, you will have up to 24 hours to report the accident to your insurer; however, this can vary depending on the specific language of your auto insurance policy. It is important to carefully read your insurance policy to determine your insurer’s time limits. Generally, it is recommended that you file a report with your insurance company as soon as possible following the collision.

Failure to file a timely report with your insurance company can result in delays in getting help from your insurance company and can even result in a denial of your claim. As such, you should report the collision as soon as possible after the accident.

All accidents, regardless of how minor they appear, should be reported to the insurance company, as there may be unseen mechanical issues from the accident. For example, a rear-end collision that results in seemingly no damage can actually affect sensors in your vehicle, resulting in the need for a repair.

What Information Should I Include in the Report?

When filing a report with your insurance company, it is imperative to be thorough and provide as much information as possible. Doing so can prevent delays and help ensure you can recover the compensation and assistance you need. As such, you should include the following information:

• Where and when the accident happened
• Your personal identification information
• Information about the vehicles involved including makes, models, license plate numbers, and VINs if you have that information 
• Insurance information for the other parties involved
• The police report from the accident
• Witness contact information and statements
• Information about injuries sustained
• A description of the accident

You should also include photos and videos of the accident scene. You should take photos and videos of the damage to both vehicles, any injuries you have sustained, and any additional photos that may be helpful for your insurer.

It is recommended to consult with an experienced attorney when providing details about the accident to your insurance company to ensure you are properly protected.

Additionally, it is important to note this blog refers to advice regarding communications with your auto insurance company as there are certain contractual requirements you will need to abide by. However, communications with someone from another insurance company should be very limited and ideally done solely under the guidance of or through your attorney.

At California Personal Injury Law Firm, APC, our team understands that navigating the aftermath of an accident can be overwhelming. We can examine the circumstances of your collision to determine the best course of action for your unique situation. Contact our team today to discuss your collision with our team.