Should I Talk to my Insurance Company if I Was Injured In A Car Accident?

Discover how and when to communicate with your insurance company after an injury-causing car accident. Expert advice to ease the process.
Published:  June 9, 2023


Getting into a car accident can be a traumatic experience, especially if you sustain injuries. Among the crucial steps to take following such an event, contacting your insurance company plays a pivotal role. It's equally essential to seek legal counsel during this process, as professional guidance can prove invaluable.

A woman went to an insurance company

Ensuring Safety and Seeking Medical Attention

The first priority after any car accident should be safety. Get to a safe location, and dial 911 to report the accident and any injuries. Seeking immediate medical attention is paramount, even if your injuries appear minor initially.

Some injuries may not manifest immediately, but documenting initial medical evaluations and obtaining an accident report can be crucial for any insurance claims or legal actions you may pursue later.

Contacting Your Insurance Company

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Promptly Informing Your Insurance Company

Once you've ensured your safety and sought medical attention, it's important to promptly inform your insurance company about the accident and your injuries.

Most insurance companies have specific timelines within which you should report an accident. Delayed reporting could lead to complications in your claims process, and in some cases, might even risk coverage denial.

Providing Accurate and Detailed Information

When reporting the car accident to your insurance company, provide accurate and comprehensive details about the incident and your injuries. This information is vital for the claims process.

Be sure to include specifics about the accident scene, the other parties involved, and the extent of your injuries, backed by your medical and accident reports.

Understanding Policy Coverage

Review your insurance policy to understand the coverage benefits available for your specific situation.

Your insurance company can help explain the specifics of your policy and clarify which coverages may apply to your injuries and medical expenses. Understanding these details will help you optimize your claims.

Seeking Legal Assistance

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Consulting with a Personal Injury Lawyer

Consulting with a personal injury lawyer after an accident can be beneficial, especially if you've sustained injuries.

An experienced attorney can protect your rights, guide you through the legal process, and help ensure that you receive the maximum potential compensation.

Assessing Insurance Coverage and Potential Claims

An attorney can evaluate your insurance coverage and determine any potential claims that can be pursued.

This includes not only your medical expenses but also any other related damages like lost wages, pain, and suffering, and future medical costs. An attorney's role extends to gathering necessary evidence, negotiating with insurance companies, and representing your best interests.

Handling Communication with Insurance Companies

Having an attorney handle communication with insurance companies can be advantageous. They can ensure that your injuries and claims are accurately represented, advocate for your interests, and negotiate for fair compensation on your behalf.

Additional Considerations

In addition to the steps above, it's crucial to document all accident-related details, including photographs of the accident scene, witness statements, and all your medical records and bills. Maintain a record of all communications with your insurance company and any accident-related expenses. These documents could be key pieces of evidence if you need to escalate your claim or take legal action.


In summary, it is crucial to contact your insurance company promptly after an accident where you've been injured. Seeking legal assistance from a personal injury lawyer can provide significant advantages, guiding you through the claims process and protecting your rights.

Always prioritize safety, seek immediate medical attention, and ensure all relevant details surrounding the accident are meticulously documented and kept in an easily accessible place Remember, in these challenging times, professional help is just a call away.

Mike Hostilo Law Firm

33 Park of Commerce Blvd
Savannah, GA
(844) 203-9338

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© 2023 Michael G. Hostilo, LLC
All Rights Reserved.
Locations - South CarolinaBeaufort
Law Offices - AlabamaPhenix City
*"Contingent attorneys” "No fee unless you win or collect" and "You only pay us if we win your personal injury claim" fees refer only to those fees charged by attorneys for their legal services. Such fees are not permitted in all types of cases. Court costs and other additional expenses of legal action usually must be paid by the client.

Any result the lawyer or law firm may achieve on behalf of one client in one matter does not necessarily indicate similar results can be obtained for other clients.

Mike Hostilo is not licensed to practice law in South Carolina.
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