Should I notify my insurance company of my truck accident if I didn’t cause it?

Semi-Truck and Car CollisionIf a negligent trucker caused your truck crash, they are responsible for fully compensating you for your injuries. You may not see the need to contact your own insurance company since you would not be filing a claim with them. In addition, you might be worried that your insurance premiums could go up.

However, it would be a big mistake not to notify them of your truck collision. Here are some reasons it could hurt your case and result in you receiving less compensation than you deserve for your injuries.

#1: You Are Required to Notify Your Insurance Company

When you purchased auto insurance coverage, you entered into a contract with your insurance company. One of the requirements in your policy is that you notify the insurance company of any accidents within a certain time period. If you fail to comply with this requirement, the insurance company may deny a claim you later decide you need to file.

#2: You Are Not Filing a Claim

When you contact your own insurance company to inform them of your truck crash, you are not filing a claim. You are simply letting them know about the collision and are protecting your rights under your insurance contract with them.

#3: They Can Help You With Repairs to Your Vehicle

It could take you a long time to settle your property damage claim with the negligent trucker’s insurance company. However, you need your car repaired quickly so you can drive it.

If you purchased collision coverage, it may make more sense for you to file a claim with your own insurance company. They will help you to obtain immediate repairs to your vehicle.

#4: You May Need to File a Claim With Your Insurance Company

Even though the truck driver is fully responsible for compensating you, this does not mean that you will receive all the damages you deserve from them. Here are a few reasons you may need to file a claim with your own insurance company:

  • If the trucker had no insurance, you would need to file a claim under your own uninsured motorist coverage.
  • If the truck driver had insufficient coverage to fully compensate you for your injuries, you could file a claim under your underinsured motorist, MedPay, and collision coverage, depending on the coverages you purchased.

Were you or a family member injured in a truck accident? Even if you are filing a claim with your own insurance company, you need the help of an experienced truck accident lawyer. They will file your claim for you and negotiate your settlement with the insurance company so that you receive the maximum recovery you are entitled to. Fill out our convenient online form to schedule your free consultation to learn about your options and how we can assist you.