When you’re involved in a car accident in Denver, you may wonder if you really need to get your insurance company involved. After all, maybe the damage wasn’t that bad and you weren’t injured. Maybe you’re worried that your insurance premiums will increase if you notify the insurance company of your accident. Plus the “at-fault” driver said they would handle it and pay for the damages “out of pocket.” So no need to get the insurance companies involved right? Wrong.
Even if you are uninjured, it is important to notify your insurance company that you were involved in a car accident. While the “at-fault” driver is responsible for paying the damages, your own insurance company will need to be notified. In fact, it may be a requirement in your policy. Your own insurance policy may cover some of your medical bills and repairs to your vehicle quicker than collecting the money through the “at-fault” driver’s policy. Your insurance company can then collect the money they are owed through subrogation.
When contacting your insurance company there are a few things you should keep in mind:
- Give them all the basic details of the accident, including date and time and the parties involved.
- Report the damage to your vehicle or any injuries
- Do not give a recorded statement without speaking to an attorney
- Ask for a copy of the Declarations Page
- Ask for copies of your insurance policy and limits
- Remember they’re not really “on your side”
- Avoid admitting fault
- Don’t sign medical release forms without consulting an attorney
- Don’t agree to a settlement without consulting an attorney
The insurance company is not really “on your side”, even though they may claim to be. As such, be cautious when they ask for statements or when they request medical records. It is best to discuss your case with an experienced and skilled Colorado car accident attorney before signing any forms. Your attorney will be able to help you through this difficult time and ensure that your rights to full compensation are protected along the way.
If you’re scared to report your accident because you’re worried your insurance premiums will rise, you may be surprised to know that’s not always the case. Your insurance company will not just raise your premiums. Instead, they will determine if your rates will rise based on the following criteria:
- The severity of the crash
- Your driving history
- Who is to blame
- No fault or not
- Your policy details
Contact Our Denver Car Accident Lawyers
If you or someone you love has been injured in a car accident in Denver, Aurora, Littleton, Boulder, or anywhere in the state of Colorado, it is important to speak to an experienced Denver car accident attorney as soon as you are able. Your attorney can protect your rights during this time and ensure that you receive the money you need to pay for medical expenses, lost wages, pain and suffering, and more. Call Denver attorney Paysinger Law, P.C. today to discuss your case. Our law firm offers FREE case consultations and can be reached at 303.279.0221.
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