Car Accident Q&A, Part 1: Insurance Calls and Compensation

After a car accident, the questions can come quickly. Should you call your insurance company? What if the other driver’s insurer contacts you? And what expenses can you seek compensation for?

Here are answers to three common questions for California drivers.

Q: Should I tell my own insurance company about the accident?

Generally, yes. Notify your insurance company promptly, even if you believe the other driver was at fault. Your auto insurance policy may require you to report the accident to your own insurance company and cooperate with its investigation.

Be honest about what happened and provide photos from the accident scene or other relevant documents if requested.

Your insurance company may also ask for a written or recorded statement.

Not sure how to respond to a detailed statement request? An attorney can help you understand your obligations. Just remember that seeking legal advice should not cause you to miss any reporting deadlines.

Q: The other driver’s insurance company is calling me. Should I answer?

You don't have to discuss every detail of the accident right away.

Start by getting the insurance adjuster's name, company, claim number, and reason for calling.

Before agreeing to a recorded statement, signing a release, or accepting a settlement offer, consider speaking with an attorney so you understand what is being requested.

If you already have an attorney handling your claim, you can direct the adjuster to your attorney.

One important tip: Whenever you provide information, stick to the facts. Avoid guessing about how the accident happened or making assumptions about injuries that are still being evaluated.

Q: Can I Get Compensation for More Than Just Car Repairs?

Potentially, yes. If you were injured in a car accident, compensation may cover more than damage to your vehicle.

Depending on the circumstances, you may be able to seek compensation for:

• Medical expenses: Doctor visits, hospital bills, medication, and other necessary treatment related to your injuries.

• Lost income: Earnings you missed because your injuries prevented you from working.

• Pain and suffering: Physical pain and emotional distress caused by the accident.

• Future medical care: Necessary treatment you are reasonably certain to need because of your injuries.

The compensation available depends on the facts of your case, including fault, supporting evidence, applicable law, and insurance coverage. Future medical expenses, in particular, must be supported by appropriate evidence.

A helpful reminder: Keep your medical records, bills, receipts, and documentation of missed work. These records can help show how the accident affected your health and finances.

Not Sure What to Do Next?

Insurance calls, paperwork, and settlement offers can be confusing, especially when you're trying to recover from an accident.

You don't have to figure everything out on your own.

Contact Just Solution Law Group to discuss your situation, understand your options, and get guidance on your next steps.