Even though there are no laws in North Carolina that require you to report car accidents to your insurance company in any specific period of time, almost every carrier states in their policy that you should report them as soon as reasonably possible after they occur. Naturally, if you are injured and taken to the hospital, it might take you a few days or a few weeks to call your auto insurance company or independent agent to report the accident, but if you are okay, you should report it that same day or the next morning.
Many people do not want to report a minor accident because they fear that their car insurance rates will go up. You are under no obligation to report a scratch on your bumper because you backed into a pole. However, if you are involved in any auto accident in Burlington with another motorist, it is in your best interest to notify auto your insurance company.
Reporting an accident shortly after it happens is important because your insurer can then take the initial steps to process a claim so you can have the money to repair your vehicle. It protects you against any claims or a possible lawsuit filed against you by the other party involved in the accident.
Under the State laws of North Carolina, certain accidents must be reported to the police. It is mandatory to report all accidents that result in death, bodily injury or property damage in excess of $1,000. You should also be sure to inform your auto insurance company when such accidents happen. If you don’t tell your insurance company about the accident, they will find out from the police.
As your independent agent, we are here to assist you in any way we can. If you have any questions about whether or not you should report an accident, give us a call and we will give you our best advice so you can take the proper action.