How can I call my insurance company after a car accident?

What is the best time to contact my agent after I have had an accident? Do I need to call them right away? Only my car is damaged, no one got hurt.

Answer
“Ideally, you want to contact your car insurance agent immediately after the accident. If you are waiting for the police to show up and it is safe to do so, you can even call while you are still at the scene.
The primary reason is so that the details of what happened are still fresh in your mind. Some of the questions that claim adjuster will ask are:
  • What are the weather conditions?
  • Was there anything obstructing your view?
  • Are there any witnesses?
Some of the answers are details that most people will forget after a few days.
Another reason to report an accident right away is so that you can have your version of events recorded first. If the other driver reports the accident to your insurance carrier right away, and you don’t call them for a few weeks, it may look suspicious and will delay the payout of your claim.
Every state and insurance company has its own rules about how long you can wait to report a claim. The type of claim can have its own time frame as well.
Liability claims have the most extended statute of limitation of up to four years in some states. If it is a theft claim, you may have anywhere from 1 day to 30 days to file a report.”
Shannon Martin
Answered on Dec 17, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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