Most policies state that you agree to report the claim as soon as possible after the incident. A general rule of thumb is 30 days. As far as what will happen if you don't report it depends on the circumstances. Most policies state you agree to report all accidents. However, if it's damage to your own vehicle in a single car accident and you have no collision coverage and you and no passengers were injured, there really is no claim to make under the policy because there is no coverage to pay for the damages. If you do call your insurance company to report it, they will simply mark the file 'report purposes only' and it will never be an open claim. If later on you add collision coverage to your vehicle and then try to claim that old damage under the newly added collision coverage, it would be considered fraudulent. If you want to make a claim for an accident that you previously had not reported, it's best to call and make the claim and let the adjuster determine if the claim is still valid under the state laws and if they will honor the policy contract even though you didn't report it in a timely manner. There is a statute of limitations in which you have a certain time frame in which you can file a claim for damages or bodily injury. The time frame varies by state.
You only need to report it if you are expecting some compensation.,
No.
We typically contact our insurance company and report the accident and the circumstances. That way the insurance company can pay the bills for you.Answerthe insurance company raises your rates and pay a deductable
never, even in the case the accident falls under a certain limit you should report the accident to allow your insurance company to protect you and itself.
You call your insurance company and report it. if the accident is your fault, with very minor damage, you would be better off paying for the damages yourself, rather than telling your insurance company and having your rates go up.
Call the police and get a police report. Call your insurance company and report it to them asap.
If the other party is refusing to call their insurance company - then you should call their insurance company and file the claim.
When you are involved in an accident involving injury or property damage, you need to report it to your agent, broker, or insurance company within seven days, regardless of who is at fault. If you are unable to report it within seven days, report it as soon as possible after that. If you don't report your accident within a reasonable amount of time, your insurance company may not have to honour your claim. http://www.fsco.gov.on.ca/english/insurance/auto/after_auto_accident_ENG.pdf
It is good to tell your insurance company within 24 hours of the accident. This way you can receive money from your insurance company soon so you can get your car fixed.
You can still report the accident to the insurance company and collect for damages. The Police will most likely not take a report. You would have to call them to verify that though.
The Accident report should provide vivid description of the incident with timing, location along with a handwritten sketch,corroborating with the Police Report and Surveyor's Report.
IMMEDIATELY, your policy will say, ''you must promptly report all accidents''