What must an insured do if their vehicle is involved in an accident?

After an accident, it is essential for the insured to promptly notify their insurance company and file a claim. This immediate communication ensures that the insurer is aware of the incident, can start the claims process, and evaluate coverage options available under the personal auto policy. Timely notification is critical as it allows for the proper investigation and documentation needed for any claims that might arise from the accident.

Waiting for the police to arrive, only reporting if injuries are present, or contacting a lawyer first can delay the claims process and might interfere with coverage. Insurers usually have specific guidelines and timelines for reporting claims, and addressing the situation swiftly strengthens the insured's position when seeking benefits.