Is it Illegal to Not Report a Car Accident to Insurance?

Getting into a car accident can be a jarring experience, leaving you feeling overwhelmed and unsure of the next steps to take. One question that often arises is whether you must report the accident to insurance. Further, is it illegal to not report a car accident to insurance? 

While it might not be against state law, there are certainly some legal implications of not reporting a car accident to your insurance company. It is important to seek the guidance of a qualified attorney who can advise you of steps to take and handle insurance communications for you. 

At Armstrong Lee & Baker LLP, we are experienced Houston car accident lawyers ready to advocate for you. Contact us today for a free consultation.

Get a Free Consultation Today!

Reporting a Car Accident to Insurance

When you are involved in a car accident, it is generally recommended to report the incident to your insurance company as soon as possible. While the specific guidelines regarding reporting vary by policy, failing to report a car accident to your insurance company can have serious consequences. 

Insurance policies typically require policyholders to promptly report any accidents as a condition of coverage. Failure to comply with this requirement could result in a denial of coverage, leaving you responsible for the damages and potentially facing legal consequences.

When Does Your Insurance Coverage Provide Benefits After a Car Accident When Someone Else Was at Fault?

When someone else is to blame for a crash in Houston, their insurance coverage should pay for your losses. So, why are you concerned about your insurer denying coverage?

Your insurance coverage may provide benefits in the form of uninsured or underinsured motorist coverage. This type of coverage is designed to protect you in situations where the at-fault driver either doesn’t have insurance or doesn’t have enough insurance to fully compensate you for your injuries and damages.

Uninsured or underinsured motorist coverage kicks in when you are not at fault for the accident and the at-fault driver’s insurance coverage is insufficient. In these cases, your insurance may step in to cover the remaining costs, such as medical expenses, property damage, and lost wages.

Have Your Car Accident Attorney Contact Your Insurer

When you contact your insurance company, they might begin asking in-depth questions and recording your statements. This might seem harmless, but it can hurt your position if you need to file an uninsured motorist claim later on. Always have your car accident lawyer handle notifying your insurance company of your accident. 

Consult a Houston Car Accident Lawyer

Choosing the right car accident lawyer is important to ensuring that your rights are protected and that you receive the compensation you deserve. Contact Armstrong Lee & Baker LLP, the leading Houston car accident lawyers, for legal representation. Trust our team to fight for you and provide the personalized attention and support you need during this challenging time. 

Don’t wait – contact us today to schedule a consultation. Let us be your trusted advocates in seeking justice after a car accident.

Author Photo

C.J. Baker represents victims with serious injuries and has won millions of dollars for victims of 18-wheeler crashes, oilfield equipment failures, offshore platform explosions, and defective medical devices. C.J. graduated summa cum laude from Texas Tech University School of Law in 2016. He was an editor of the Texas Tech Law Review and a top national trial and moot-court advocate.