Should I call my own insurance company if I get rear-ended, even if the accident wasn’t my fault?

If you’ve been rear-ended in a car accident, it’s important to know what steps to take to protect yourself and your rights. One common question that arises after a rear-end collision is whether or not you should call your own insurance company, even if the accident wasn’t your fault.

First, we strongly recommend consulting with an attorney prior to contacting any insurance company. A lawyer who is well-versed in car accident cases can help ensure your rights are protected prior to communicating with either insurance company. Even your own insurance company may not have your best interests in mind. If you are injured, you will need to report the crash to your own insurance company. This is because your insurance company will provide Personal Injury Protection coverage, also known as PIP, if you need to see a doctor. Additionally, your auto insurance company may be able to assist with any repairs to your vehicle.  

Again, you should first speak with an attorney to make sure you don’t say anything that could potentially jeopardize your case. 

Here are some things to keep in mind if you are involved in a rear-end collision:

• Immediately after the accident, check for injuries and call 911 if anyone is hurt.
• Exchange information with the other driver, including names, contact information, and insurance information.
• Take photos of the scene, including any damage to the vehicles involved and any skid marks or debris on the road.
• Seek medical attention if you are experiencing any pain or discomfort, even if it seems minor at the time. Some injuries, such as whiplash, may not become apparent until several hours or even days after the accident.
• Contact an experienced personal injury attorney who can help you navigate the legal process and pursue compensation for any injuries or damages you may have suffered.

It’s worth noting that notifying your insurance company of the accident does not necessarily mean that your premiums will go up or that you will be found at fault for the accident. Your insurance company will investigate the accident and determine fault based on the evidence, which may include police reports, witness statements, and other information. If you hire an attorney, he or she should handle communication with the insurance companies involved, including your own.

If you have been involved in a rear-end collision, it’s important to protect your rights and seek the compensation you deserve. Contact The Ruth Law Team to speak with an experienced personal injury attorney who can help you understand your legal options and pursue the compensation you deserve. Call us at (888) 783-8378 to schedule a consultation.

You can also visit us by appointment at one of our Florida Law Offices, Minnesota Law Offices, or Georgia Law Offices.

Please note that the answers to each question may vary depending on the specific facts of your case, and it is always best to consult with an attorney to get more accurate information. Also, this is general information and not legal advice