After a car accident, you must call your insurance company
Written by ABC AUDIO on November 10, 2022
After a car accident, you will want to exchange names and numbers with the other driver involved. Also, you must get their insurance details and take photos of your car’s damage. However, regardless of how calm you may be after the crash, you may have a lot of questions in mind. You may wonder what to do, who you must talk to, what you should say, and what you should not say. Also, you may wonder if you should contact an attorney from Caruso Law Offices, P.C. this early or just do it later.
Should You Call Your Insurance Provider?
After a car accident, you must call your insurance company. Letting them work is your obligation as their policyholder. During the call, give the company the basic facts about the crash and answer its questions regarding the accident. No matter how upset you may be after colliding with another car, you need to try to recall some important details of the accident.
Should You Talk to the Other Driver’s Insurer?
You do not need to give any information to the insurance company of the other driver. So, do not talk to a representative of that company unless it’s important to get your car fixed following the crash. If the representative asks you questions, your insurer or attorney will get in touch with them. Also, do not allow them to get a recorded statement from you.
What if the Accident Was the Other Driver’s Fault?
Never assume fault after the crash. Keep in mind that car accidents always involve at least two people. Even if you think you are at fault, taking the blame for the crash will not benefit you. Experts can determine fault by sorting through evidence.
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Should You Contact an Attorney?
The insurance provider of the other driver may not want you to call a lawyer; however, it’s in your best interest to do so. You want to get legal advice from somebody you trust. A skilled lawyer is familiar with your situation and knows what state law applies to it. They will protect your rights and ensure you get fair compensation for the injuries and losses you suffered from the accident.
When to Report the Accident to Your Insurer
In Albuquerque, you have three years to sue for injury claims. Also, you have four years to sue for property damage. If you are suing a government entity, you have six months to file a claim. Your attorney can help ensure you file your claim promptly and correctly.
Failing to file a claim within the three-year window can result in you losing your right to compensation. Although four years seem to be a long time, months easily go by as you deal with the different details of your case. From completing paperwork to collecting evidence, finding witnesses, and getting medical treatment, you may not notice that time is working against you. This is one of the reasons you should hire an attorney as soon as possible after the accident.
