Arizona uses an at-fault tort system for car accidents, meaning you file a claim against the other driver’s insurance after a crash that’s not your fault. However, should you also contact your own insurance company after an accident? If so, how much time do you have to notify them, and should you talk to a motor vehicle accident attorney first?
Insurance Accident Reporting Requirements
As a general rule, you should always report a car accident to your insurance company in Arizona, even when you are not at fault. Most car accident insurance policies have reporting requirements stating that insurers must be notified of all accidents, regardless of fault. Violating these reporting requirements can have negative consequences.
Contacting your insurance company is also a good idea, as the initial report can serve as evidence if you file a claim against the other driver. Additionally, you’ll need to contact your insurance company if you want to use collision coverage to pay for vehicle damage or MedPay coverage to pay for medical bills.
How Soon Do I Have to Notify My Insurance Company?
There is no one-size-fits-all answer, as different policies have different reporting requirements and timelines. Typically, you need to report an accident within 30 days, though some policies may have shorter or longer reporting windows. It’s usually best to report the accident as soon as possible, as delaying can raise complications. If you wait too long, your insurance company may accuse you of trying to conceal the accident.
Note that insurance reporting timelines are different from the time limit for filing a personal injury lawsuit. According to ARS 12-542, you have two years from the injury date to file a lawsuit against the at-fault party in a car accident.
What Happens If I Don’t Report an Accident to My Insurance Company?
Failing to notify your insurance company can have several negative consequences. Failing to report might violate the terms of your insurance agreement and can cause the company to cancel your policy. If you fail to report an accident, the company could deny any future claim you make. Also, not reporting the accident means you’ll have one less piece of evidence if you file a claim against the at-fault motorist.
What to Avoid When Reporting an Accident to Your Insurance Company
You must be careful when initially reporting an accident to your insurance company because statements can be taken out of context and hurt your chances of a successful claim. Some general pointers:
- Be as factual as possible when reporting and don’t speculate about causes.
- Avoid admissions of fault or words that imply fault (ex, “sorry”, “mistake”, “accident”)
- Be concise and don’t provide unnecessary details.
- Don’t sign any papers or let the insurance company record a statement.
- Respond promptly to requests for more information, such as additional medical records.
Should I Talk to an Attorney First?
After documenting the accident scene and receiving medical attention, you should contact an attorney first. An attorney can ensure you meet all reporting requirements and make sure you don’t say anything to insurers that could jeopardize your claim. Ideally, they should handle all communications between you and insurance companies.
Contact an Arizona Motor Vehicle Accident Attorney Today
Valley Injury Team dedicates itself to helping injured Arizonans recover the compensation they need to heal and rebuild. We have extensive experience managing motor vehicle accident cases and a reputation as accomplished negotiators and litigators. We promise to do everything in our power to secure a favorable resolution in your case.
Contact our offices online or call today for a case consultation with an Arizona motor vehicle accident attorney.
