If you were involved in an auto accident and are now home from the hospital emergency room or doctor’s office what do you need to do now?    Call YOUR insurance company.   If you are physically unable to call them, have someone else do it for you.

When I advise clients to do that, I get the same response every time, “why do I want to use my insurance, it was the other persons fault.”   Yes, that’s true, but let me tell you why you better notify your insurance company as soon as practical after the car accident:

The other driver may be uninsured or underinsured.  What does that mean?  It means he may have no insurance at all or he may not have enough insurance to cover your medical bills or lost wages from the accident.

While every State in the country requires drivers to have liability insurance on their vehicle a recent study by the Insurance Research Council estimates that up to 16% of drivers on the road have no insurance.   In South Carolina and Virgina, it is estimated that 10% of the drivers on the road have no insurance.  In Georgia, that figure is estimate to be 14%.

Despite the fact they told you or the police officer at the scene they had insurance, the insurance may have lapsed due to non-payment.   You just never know.   If you need to rely on your own insurance, you are under a contractual duty to notify them as soon as practically possible.  If you don’t notify your insurance company, they may DENY you coverage.   Yes, it can happen, so notify your insurance company even if the accident was not your fault.  Tell them where the accident occurred, the date and time it happened, and any information you received from the other driver such as his name and insurance information.

If you have been injured in a car accident and don’t knwo what to do, call the Kerr Law Firm for a free consultation.   Our main office is in Hilton Head Island, South Carolina.