Notifying Your Insurance Company After An Auto Accident
You should always notify your insurance company about the accident, even if it wasn’t your fault. Firstly, your insurance contract likely requires you to inform them of any accidents you are involved in. Secondly, your own policy may provide coverages that you can access as part of your claim, regardless of the other driver’s fault.
Medical Payments Coverage
One such coverage is medical payments coverage, which helps pay for medical bills if you are injured in an accident. This coverage is in addition to any compensation received from the at-fault driver’s insurance company. It is advisable to carry as much medical payments coverage as possible, as it can help cover expensive medical treatments, such as CT scans, and provide financial assistance during recovery.
Accessing Medical Payments Coverage
Although medical payments coverage is optional, it is worth accessing in the event of an accident. Your insurance rates will not increase for using this coverage; they will only increase if you are deemed to be at fault for the accident. Therefore, there is no downside to using this coverage. Be sure to ask about it when purchasing auto insurance, as agents may not offer it unless prompted.
Other Insurance Involvement
Your insurance company may also be involved in situations involving uninsured or underinsured drivers. Notifying them about the accident ensures that you have access to any relevant coverages under your policy.
With the guidance of a skilled attorney for Auto Accidents, you can have the peace of mind that comes with knowing that we’ll make it look easy. For more information on Personal Injury Law Cases in North Carolina, a free initial consultation is your next best step. Get the information and legal answers you are seeking by calling (919) 999-4462 today.