Should I notify my insurance company?
The answer to this is yes. If the other driver is at fault, it is likely that his or her insurance company will pay for the damage to your vehicle. However, sometimes this will take a long time and your insurance company also has an obligation to repair your vehicle and often to provide you a rental car until your vehicle is repaired or replaced. Further, many automobile insurance policies provide personal injury protection or PIP benefits and Medpay benefits which can serve to pay medical expenses you incur as well as lost wages while your claim against the other driver and his or her insurance company is pending. Again, you can speak to your insurance company about the accident but they too have economic incentives to minimize the value of your claim. Notify your insurance company as to the date, time, and whereabouts of the collision and a brief description of how the collision took place. If you are injured you can tell them that you are and that you do not fully know the extent of any injuries you have. Our advice would be to contact Clark & Steinhorn to assist you in dealing with any insurance companies, police officers, doctors, hospitals, or healthcare providers.