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If a Car Accident Wasn’t My Fault, Do I Need to Let My Insurer Know?

When you find yourself in the unsettling aftermath of a car accident, a flurry of questions can race through your mind. Among the most pressing is whether you need to inform your insurance company about the incident if you weren’t at fault. At The Law Office of Scott Righthand, P.C., we understand the complexities and anxieties that follow such events. Even when you’re not responsible for the collision, it’s crucial to adhere to specific procedures, including notifying your insurer. This step is essential, and our attorneys offer our insight to help you understand why.

The Importance of Informing Your Insurer

Contractual Obligations and Protection

First and foremost, your insurance policy is a contract between you and your insurer, detailing both parties’ rights and responsibilities. One common provision is the requirement for policyholders to report any accidents promptly. This protocol isn’t merely bureaucratic; it serves as a protective measure for you. By informing your insurer, you enable them to begin their investigation into the incident immediately, which can be pivotal in defending against any claims made by the other party involved in the accident.

Understanding Comparative Negligence

In California, the principle of pure comparative negligence can significantly impact the outcome of your claim. This legal framework allows for compensation even if you’re partially at fault, with your percentage of fault reducing your overall award. Promptly reporting the accident to your insurer ensures they have all the necessary information to accurately assess any degree of fault and defend your interests.

Avoiding Potential Complications

Failing to report an accident to your insurer can lead to several detrimental outcomes. Your insurance company might view this omission as a breach of your policy terms, potentially leading to denied claims or even policy cancellation. Furthermore, if the at-fault party disputes their liability and files a claim against your coverage, your insurer will be caught off-guard, possibly complicating your defense.

The Role of an Attorney

Navigating the aftermath of a car accident, especially when dealing with insurance matters, can be daunting. That’s where an attorney becomes invaluable. Our team at The Law Office of Scott Righthand, P.C., advocates for those injured in auto accidents. We understand the intricacies of insurance policies and California law, ensuring that your rights are protected and you receive the compensation you deserve.

By partnering with us, you benefit from our comprehensive approach to handling your case. From investigating the incident and gathering evidence to negotiating with insurance companies and, if necessary, litigating on your behalf, we’re committed to securing the best possible outcome for you and your family.

Why Contacting Your Insurer and an Attorney Is Essential

Even if a car accident wasn’t your fault, it’s imperative to notify your insurer about the incident. Doing so not only fulfills your contractual obligations but also sets the stage for a smoother claims process. Moreover, enlisting the support of an experienced personal injury attorney can make a significant difference in navigating these complex waters.

The Law Office of Scott Righthand, P.C. is dedicated to helping our clients through every step of this challenging journey. If you’ve been involved in an auto accident, don’t navigate this process alone. Contact us today for a free, no-obligation case evaluation.

How Can An Attorney Help…
Posted on: June 13th, 2024

Date Of Posting

25 May,2024

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