Every insurance company has different rules.
#File time accident insurance claim drivers#
Most insurers require drivers to report accidents within 24 hours, but you must read the terms of your policy to determine the time limit that applies to your situation. However, you must also report the accident to your own insurance company as well. This means that if another driver caused your accident, you must file a claim against their insurance policy. Reporting Your Accident to InsuranceĬalifornia uses a fault system to resolve car accident claims. However, drivers are also required to report accidents to their insurance companies regardless of how an accident occurred. California state law requires drivers to call 911 to report any accident that causes injury, death, or severe property damage. One of the most critical issues you must address when it comes to car accident claims is reporting the accident. The injured driver has the right to file an insurance claim against the at-fault driver’s policy, and there are many procedural requirements to resolve the issue. When an accident occurs, the at-fault driver is liable for the resulting damages. Drivers are also encouraged to purchase under insured/uninsured driver coverage in addition to their basic coverage requirements. Every auto insurance policy must offer bodily injury liability coverage for a single person, bodily injury liability coverage for a total accident, and property damage liability coverage. California uses a fault system to determine liability for car accident damages.
Every California driver must carry auto insurance that meets the state’s minimum coverage requirements.
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