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Report your Indiana car accident to your insurance company even if you weren’t at fault

Posted by Guy DiMartino | Jan 09, 2015 | 0 Comments

You were driving down the road and then next you know you're rear-ended. The accident wasn't your fault. You don't want to get the insurance company involved because you're concerned your rates will go up. Do you have to report the accident to your insurance company?

Yes. You have to report your accident to the Insurance company

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The relationship that you have with your insurance company is contractual. Under the terms of the policy you have certain responsibilities and so does the insurance company. One of your responsibilities is to let the company know that you were involved the accident within a reasonable time after the accident. You can report the claim to your agent or to the number on the back of the card.

When you call up the insurance company, the representative will want to know the following:

  • The date of the accident
  • The location of the accident
  • A brief description of how the accident happened
  • If you were injured in the accident
  • The name of the other party; and
  • If you have a copy of the accident report

After the representative takes down this information, she will assign you a claim number. She may also explain the different types of insurance that you have and if you were injured and have medical payments insurance, they will assign your claim to a medical payments adjuster.

Will your insurance premium go up? 

If you were not at fault for the accident, you cannot be penalized for using your insurance for medical expenses, getting your fixed or making a uninsured or underinsured motorist claim. The only way your insurance premium can be raised or you can be cancelled is if you were at fault for the accident or you were involved in a number of accidents in the recent past.

The insurance claims process can be complicated at times. If you have any questions, give us a call at (219) 874-4878 or you can request a free copy of my book explaining the Indiana car accident claims process.

Image courtesy of Stuart Miles at FreeDigitalPhotos.net

Pejic & DiMartino, PC
1000 Washington Street
Michigan City, IN 46360

About the Author

Guy DiMartino

I have loved helping people in need for almost three decades.  It has been my privilege to serve people as their pastor, chiropractor, and lawyer.  The current focus of my legal practice and life’s passion is helping the seriously injured receive complete compensation for their injuries. I am a Florida Board Certified Civil Trial Attorney. What that really means is that I am no stranger to the courtroom.  I have successfully tried and handled serious cases in state and federal courts.  My backgrounds in both law and chiropractic medicine have given me a unique perspective, extensive knowledge, and wide experience to serve those I represent. For years as a chiropractic physician, I treated my patients to alleviate their pain and suffering. Now as their lawyer, I fight to bring them financial compensation for their pain and suffering. During my years of service, I have handled many traumatic injury cases ranging from the traumatic amputation of a limb to brain and spinal cord injury.  I consider it an honor to serve you and your family. When a person entrusts me and I accept to represent them, I don’t take that relationship and responsibility lightly. My approach is that we work as a team. We are partners and our goal is the best outcome for you and your family with the highest level of communication throughout. I am always available by phone or email to discuss my potential representation of your injury case. I handle cases throughout Florida. Education: National University of Health Sciences – BS (1984), DC (1986) Valparaiso University School of Law – JD, summa cum laude (1999) Bar Admissions: Florida (2000), Indiana (1999), Illinois (2000, expired); US District Courts of Appeals (11th Circuit, 7th Circuit); United States District Courts: Southern and Middle Districts of Florida; Northern and Southern Districts of Indiana; Northern and Central Districts of Illinois; and District of Colorado. Certification:  Civil Trial, Florida Bar Guy DiMartino on Google+ – Circle Guy on Google+ Guy DiMartino on Google+

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