A. Yes. It’s best to notify your insurance company because even if both cars do not have any damage an occupant of a car can have a serious injury. If you do not timely notify your insurance company and you are sued for personal injuries, you can lose your insurance coverage which includes money to pay a lawyer to defend you and pay the claim against you if it is a legitimate claim. We have many clients who were injured in car accidents with little or no damage.
- 1 Why Should I Notify My Insurance Company When There Was No Damage to the Car?
- 2 What Do You Have to Do to Be Protected Against Someone Who Sues You?
- 3 What Do I Tell My Insurance Company After Being at Fault in an Accident?
- 4 Related Articles
- 5 Comments About Do I have to notify my insurance company when there was very little damage to my car?
Why Should I Notify My Insurance Company When There Was No Damage to the Car?
You paid your insurance company to defend you and pay any claims against you if you have a car accident. You might as well get what you paid for.
If you notify your insurance company, you will get two very valuable benefits which could cost you a lot of money if you don’t have insurance.
The first benefit is to defend you. This means that the insurance company will pay a personal injury defense lawyer to defend you. If someone files a lawsuit against you and you had to hire a personal injury defense lawyer, it could easily cost you as much as $50,000 or more.
You may also be sued for causing property damage to another car or other property. You want to make sure your insurance company will defend you and pay any money you are required to pay.
The second benefit is to pay the claim made against you. This is actually two benefits in one. Let’s assume that you have an insurance policy with a $100,000 liability limit.
First, The insurance company will pay the claim so you don’t have to. if the person, who you thought wasn’t injured, actually had surgery because of the accident, your insurance company should offer to settle the claim for the entire $100,000 limit so you don’t have to pay out of your pocket.
Second, your insurance company will not agree to pay the $100,000 unless the person making the claim against you signed a release that releases you from any further liability. When your insurance company settles the claim, you’re completely off the hook.
What Do You Have to Do to Be Protected Against Someone Who Sues You?
- Pay your insurance premium on time.
- Promptly notify your insurance company of an accident, claim, and/or lawsuit against you.
- Cooperate with your insurance company by giving them a statement and appearing for a deposition if you are required to because a lawsuit was filed.
What Do I Tell My Insurance Company After Being at Fault in an Accident?
If you were not injured, call your insurance company as soon as possible.
Don’t lie to your insurance company about how the accident happened. You may be afraid that your insurance premium will increase your insurance premium if they think the accident was your fault but your premium may not increase.
More importantly, if the accident really was your fault or partially your fault and you claim it wasn’t, your insurance company will probably not agree to settle the claim. This will cause a personal injury lawyer like us to file a lawsuit and go after your personal assets.
Some New York personal injury lawyers like us may refuse to accept a settlement at the time of trial. Lying to your insurance company can put your personal assets at risk.
Can I Sue for an Injury If There Was No Damage to the Cars?
Should I use an insurance damage estimate app?
How to represent yourself for a bicycle accident without a lawyer
Can I Settle My Accident Case Without a Lawyer?
Get the 1-800-HUR-T911® Dream Team™ on your side and become a member of our family!
“Knowing I had a team of great lawyers on my side gave me a sense of power and peace of mind. They took care of everything for me. When a settlement was negotiated, I saw the difference a team of lawyers makes.”
No Win — No Fee — No Expenses — Guaranteed!
Attorneys who can get you the most amount of money AND provide personal service!
Please take a look at some of our:
What will happen when I call 1-800-HURT-911 or chat?
- Our call center operators and chat operators are available 24/7.
- Just give your contact info to our operator and Founding Partner Rob Plevy, Esq. will call you within 5-10 minutes for your free, no-obligation consultation during the hours of 8 am – 10 pm. After hours, Rob will call you in the morning or at the time you want.
- Then just text or call us any time you want during your case!
Because any delay could cause you to lose viable rights and benefits, please call HURT-911® Founding Partner Rob Plevy, Esq. right now for a free consultation to find out your rights days/nights/weekends.
You can speak, text, or email with us whenever you want throughout your case and afterward, days/nights/weekends, and experience our famous personal service. You’ll even get our personal phone numbers so you can call or text anytime!
Watch Founding Partner Phil Franckel, Esq. talk about New York Serious Injury Attorneys.com, difficult cases, and the 1-800-HURT-911® Dream Team™
Philip L. Franckel, Esq. is one of the HURT911® Dream Team™ Founding Partners at 1-800-HURT-911® New York; He has a 10 Avvo rating; Avvo Client’s Choice with all 5-star reviews; Avvo Top Contributor; and a former Member of the Board of Directors of the New York State Trial Lawyers Association.
Robert Plevy, Esq. is one of the HURT911® Dream Team™ Founding Partners at 1-800-HURT-911® New York. Rob began his legal career in 1993 as an Assistant Corporation Counsel defending The City of New York against personal injury lawsuits.