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How Long Do You Have To Report A Car Accident and File A Claim?

How Long Do You Have To Report A Car Accident and File A Claim?

You follow all the rules of road safety. You have car insurance and feel like you do everything possible to be a safe and careful driver.

That does not stop others from being careless. You find yourself involved in a car accident and this is the first time. You know that you have coverage but unsure about how to proceed.

How long do you have to report a car accident? Most of us do not know.

How Long Do You Have to Report a Car Accident?

If you have ever been in a car accident, you know all too well how frightening it is. This is a scary time and you need to know what to do. No doubt, this is a stressful time and you need to know how to handle things.

The first thing do is call 911 to report the accident. Many people leave the scene especially if they think no harm is done but this is not what you need to do. You will want to file a police report for a car accident.

Some people wait and call the police later in the day but the best policy is to call when the accident happens if practical. Sometimes there are injuries and you may be unable to call. Even minor fender benders need to be reported.

You may have ten days to report your accident to your insurance company so you need to call them right away. Do not put this step off. It may be different depending on what insurance company you are with so check your company’s policy on this.

What You Should Do Afterwards

Do you know how to get a police report after a car accident? This will be important as it will be something your insurance company needs. Be polite but persistent and request that the police officer who attends to the scene files a report.

Do not skip this step. Write down the officer’s name and badge number so you can call the police department within a few days to get a copy of the report.

Your insurance agent will most likely ask for a copy of the report. This will sometimes assist in determining if your insurance will have to cover damages or if the other driver’s insurance company will pay for it.

Try to Stay Calm

Being in a car accident is scary and stressful. The best thing to do is try and remain as calm as possible. Assess the scene to check for injuries and wait for help to arrive after calling 911.

Do not move your car if you can help it. This is important for the officers writing out the report.

Take some slow, deep breaths to help with your nerves. Being in a wreck is scary and it is hard to think clearly with your adrenaline running high.

How long do you have to report a car accident? The best answer is to report it when it happens and not to delay it at all. Follow us for more tips!

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