Should I Report My Car Crash To My Insurance Company If It’s Not My Fault? – CA Lawyer Frank Nunes

You’re minding your own business driving when
some careless driver hits you. Now you want to know whether you should report
the crash to your insurance or not, especially when it’s not your fault. Hi, I’m Frank Nunes, a California personal
injury trial attorney practicing law in the State of California. Join me as we explore the answer to this question. Many people say, “It wasn’t my fault. Why do I need to report it to my insurance?” Well, typically most insurance policies require
that the policyholder timely report any potential claims. I say potential, as they could or could not
be a claim against you in a urgent or prompt matter. The timeliness is important, because it gives
your insurance company an opportunity to investigate the crash, to determine the other party’s
insurance, and to perhaps work out a resolution of the damage to your car or even your medical
bills if that should be the case. The downside is if you fail to report the
crash to the insurance company, even if it’s not your fault, and it turns out the driver
that hit you didn’t have insurance coverage, or it turns out the driver doesn’t have enough
insurance coverage, and your insurance company is completely in the dark, they’re not going
to be very happy with you about the claim. It could pose problems in resolving your claim
in the best way possible. It’s always a good idea to report it to your
insurance company, especially if you have full coverage, and your car is towed from
the scene. Most often, cars are towed by tow yards to
the tow yard’s facility, which charges a higher rate of storage. For example, just like short-term parking
at an airport, the rate is typically much higher per day than it is in the long-term
parking. Similarly, the tow yard storage fees can be
exorbitant. If you don’t report the claim to your insurance,
and it turns out that your insurance is going to be looked to to pay for those storage fees,
they’re going to not want to pay for the fees if they had no idea your car was even in tow
storage. Again, it’s always safer to report the claim
to your insurance company. That way, they’ll apprise you of the coverages
you have, and they’re prepared in case something goes wrong with the careless driver’s coverage
in your situation. Now people worry about their rates going up. If the claim is not the result of your carelessness,
then why would your rates go up? If for some reason your carrier decides to
raise your rates, vote with your checkbook. Go to a different carrier, but you should
always follow the terms of your policy. Disclose everything that needs to be reported
to your insurance company so they can handle the case in the way for you, and all your
bases are covered. That’s it for today’s video, whether you should
report a non-fault crash to your own insurance. By the way, if you found this information
helpful, subscribe to our YouTube channel. Why? So you can continue to get great new content
every time we post another great educational video. If you have questions, I want you to pick
up the phone and call me. I can answer your questions. I answer questions like this all the time. You can reach me at 559-436-0850. I’m Frank Nunes, and thanks for watching.

Paul Whisler

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