Did Someone Get Hurt?

Many incidents involve only property damage. For example, strong winds may blow shingles off your roof. Or perhaps you backed into a pole in a parking lot.   It's just you and your property; you may not want to turn that claim in.  When your loss involves small property damage to your car or other property only, it may be sensible to take care of it yourself and avoid the consequences that come with submitting the claim. You pay for the damage and it’s over.

However, when someone’s injured it’s never a good idea to keep that to yourself. And, if someone else is involved in the claim, you don't know; so err on the side of caution and turn in the claim.

Why? Because no matter how minor the injury may be, the injured party can come back and sue you many months or even years later.  If that happens and you didn’t report the claim when it occurred, your insurance company can legally refuse to defend you in the lawsuit and deny any payment, as well.

Your policy requires you to report your claims promptly so the company can control the claim. If you don’t, they can deny coverage.

In the case of a small property loss, nobody’s ever going to come back and sue you. But when someone’s injured you never know.  We would go as far as to say that if anyone is in a car that you hit, turn in the claim as it may turn into a claim down the road.  Defending yourself in court is expensive – even if you win – so don’t take a risk when someone’s injured.  Always report those claims.  And, if by chance you also have PrePaid Legal insurance, there are situations where a claim may not be covered, even though you have hundreds of hours built up.   You don't want to mess with any bodily injury claim, no matter how small.  Period.



Click below to learn more before you file a claim.

  1. Damage to Your Property:

  2. Damage to Your Car 

  3. Small Claims:

  4. The Size of Your Loss

  5. Your Deductible

  6. Company Rules and Practices

  7. State Laws


 

 

 

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