Should I Call my Insurance if it Wasn’t my Fault?

Rutter Mills Law Firm

Should I Call my Insurance if it Wasn’t my Fault?

Car Accident Info

It is commonly believed that you only have to notify your insurance company of an accident if you are at fault. This is not the case for the vast majority of drivers. Your insurance policy likely requires you to inform them of a collision even if you never file a claim.

The consequences of failing to notify your insurance company can be steep. If you delay reporting your insurance company, they could deny your claim. In extreme cases, they could cancel your policy entirely. Even if you are not at fault, you may ultimately need to pursue a claim through your policy.

Contacting skilled and compassionate car accident attorneys right after the accident can assure you that your rights are protected. Notifying your insurance company never guarantees a successful claim, however. They could assert you failed to hold up your end of the bargain even if you informed them promptly.

Types of Coverage You Might Need Even When You are Not at Fault

Insurance companies have begun to take a more hands-on role in accident claims compared to the past. Often, they will assist you even when you are pursuing a claim through the other driver’s liability policy. Their assistance can be helpful and result in quickly receiving compensation–in some cases. However, this will not happen if you fail to notify your insurance company.

If the other driver is slow to pay or their carrier is dragging its feet, you could have your vehicle repaired through your insurance. If necessary, your carrier could later return to recoup these costs from the other driver. However, your insurance company may want to investigate and ask for the opportunity to assess the damage themselves. A delay in contacting them could cost them the chance to complete that investigation. That alone could be grounds for a denied claim. The same is true for uninsured motorist claims. Your carrier will work to ensure there are no liability policies in effect before paying out on your claim.

Consequences of Not Calling Your Carrier

As noted above, most insurance policies require you to notify them of an accident immediately– regardless of fault. If you fail to do so, you could miss out on your chance to recover benefits. Most policies also consider this failure a breach of the contract. Given what is at stake, you must notify your insurance company immediately.

Contact us at Rutter Mills Today

While you are required to notify your insurance carrier of every accident, you are not required to contact them directly. In fact, the more you say to your insurance company, the more likely they are to find an excuse to deny your claim.

That’s where Rutter Mills can come in. We are a group of experienced car accident lawyers proud to serve as your advocate. We can work directly with your insurance company, so you do not have to. With our involvement, you could obtain the benefits you are entitled to and avoid legal pitfalls. To discuss how we can help, schedule a free case evaluation as soon as possible.

Contact a Rutter Mills attorney to speak about your case today.

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Dave Put His Trust in Us

Don’t Fall For The Insurance Company’s Games

Dave suffered serious injuries in a car accident. The defendant’s insurance company tried to offer him a low amount so Dave called Rutter Mills. We took over dealing with the insurance and got Dave the money he needed to get back on his feet.

They enabled me to be happy in life again.

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Glenn’s car accident changed his life, but not permanently thanks to the help of his Rutter Mills attorney. When the insurance companies wouldn’t help him, our team fought back and won.

I knew I needed Rutter Mills.

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On his way home from work at the shipyard, Dan was involved in an accident. He tried to file a claim on his own, but the insurance company wouldn’t give him the money he needed to put his life back on track. Dan knew he needed to call Rutter Mills.

They actually won my case 3 times!

Larena's Win

After her car accident, Larena asked her father, a local stevedore, for his advice on who to call. He recommended Rutter Mills. Her team of car accident experts at Rutter Mills fought back when the insurance companies tried to deny her the money she needed to recuperate from her injuries. We took her case to trial – and won. When the insurance company filed their appeals, we beat them again – two more times! Larena got the money she needed and the justice she deserved.

We’re going to immediately call Rutter Mills. That’s the people I trust with my baby girl.

Who Do You Trust With Your Family?

After a car accident, Jamaree’s first call was to her mom. She was shaken up and scared. Mom told her “We’re calling Rutter Mills. Her next was to Rutter Mills. Her Rutter Mills car accident team helped her get compensation “above & beyond” what she was expecting.

They lifted allot of stress off my shoulders. I recommend them to anybody because they WILL fight for you.

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Referrals From Friends and Family

After John was seriously injured in a motorcycle accident, he turned to the person he trusts most for a recommendation. His wife, a paralegal of 30 years, told him to call Rutter Mills on the advice of the lawyer she worked for.

They really care for you as a person. Words cannot describe what Rutter Mills did for me and for my case.

When You Need Someone In Your Corner

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When the insurance company tried to get Carol to sign paperwork after her car accident, she knew she needed a lawyer. Carol knew she needed Rutter Mills.

When I called Rutter Mills, I knew it was the right fit. They’re so interested in helping you get justice.

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When Mom Needs Strength

Taryn was in a car accident while she was pregnant. She knew she needed someone in her corner to protect her rights and her family’s future.

There’s attorneys, then there’s Rutter Mills.

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A devasting accident changed Levon’s life forever. The physical and emotional toll left him scared and in pain. When the insurance company for the defendant contacted the family, they made an offer that did not even cover the cost of the medication, much less doctors’ bills, and physical therapy. They knew they needed to talk to a serious lawyer. Rutter Mills took care of the negotiation so Levon could focus on healing.

When you’ve got a serious injury, you need a serious lawyer. That’s why we chose Rutter Mills.

Motorcycle Accidents Change Everything

When Ed was injured in a motorcycle crash, he knew he needed a serious lawyer to protect his rights. The insurance companies were fighting him every step of the way. Rutter Mills helped prove Ed’s case and get him the money he needed to get on the road to recovery.

With the seriousness of the accident, I knew that we needed a serious lawyer. I needed Rutter Mills.

Carol & Levon's Story

They knew they needed a serious lawyer when Carol and her son were seriously injured. After the other party’s insurance company tried to get her to settle for less than she needed, Carol called Rutter Mills for help. We took on the insurance company so she could focus on healing.

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