The only insurance company you should call after a car accident is your own. You must report your crash to your insurance company and explain what happened. But don’t admit any fault or go into who’s to blame. Simply state the time, date, and location of the crash. Also, mention that you sustained an injury.
Most insurance companies require you to report your crash within 24 to 72 hours. However, the specific time frame for reporting a crash can vary depending on the terms and conditions of your insurance policy.
Failing to report your car accident within the required time frame can hurt your chances of having a viable claim. It’s best practice to report your crash as soon as possible.
Never speak to the at-fault driver’s insurance company. If they contact you, simply tell them that you have hired a lawyer to handle your case. All communications moving forward must be done through your lawyer.
Anything you tell the at-fault party’s insurance company can later be used against you. Insurance companies may try to use tactics to deny or reduce your compensation. That includes offering a lowball settlement to quickly close the case out.