Is The Driver Required To Notify Their Own Insurance Company And The Other Driver’s Insurance Company?
Yes absolutely. If you were the driver who has been in collision, you must notify your own insurance company of the collision, because that is required in order for them to start paying your medical bills under those PIP benefits. In fact, any doctor or hospital that you go to after the collision will most likely request your insurance information for just that reason. Also, if you have coverage for property damage, then that would be paid by your insurance carrier and you would need to report the collision in order for them to process that claim. You do not have to contact the other driver’s insurance company and it is strongly recommended that you do not do that. The other company is not on your side and is not trying to help you. They may try to make it seem that way, but their goal is to get rid of you and your claim for as little money as possible.
What If The Other Driver’s Insurance Company Reaches Out To You And Ask For A Statement?
You are absolutely not required to speak to the other driver’s insurance company even if they call you. And you are not required to provide them with a statement. You can simply refer them to your attorney. It is recommended that you do not speak with the other driver’s insurance company, but allow your attorneys to handle all communications with them. Again, that insurance company’s goal is to minimize the amount that they have to pay you, so any interview they conduct with you will be designed to do that. They are not on your side, no matter how friendly the person who calls may seem.
Are There Any Special Requirements If Someone Had Uninsured Motorist Benefits In Pennsylvania?
Some people have uninsured motorist benefits, which protect them in the event that they are in a collision with someone who does not have any insurance. Occasionally, someone will be in a collision with someone who flees the scene, a hit and run driver. In that event, when you cannot identify the other vehicle, your uninsured motorist benefits would potentially provide you with compensation. However, the law in Pennsylvania requires that with a hit-and-run collision by what is called a ‘Phantom Vehicle,’ you must report the collision to the police within thirty days. Reporting it to your insurance company alone is not sufficient. The report must be made to the police to ensure that there was a collision and that the police have an opportunity to potentially find the hit and run vehicle.
What Things Will The Other Insurance Company Be Looking For To Debunk Your Case?
They are going to be looking at the facts of the collision and they are going to have heard the version of the collision from the other driver whom they insure. Therefore, it will be important to have as much evidence as possible to get past the he-said she-said scenario where everyone is pointing the finger at each other. Physical evidence like evidence of damages to the vehicles can help prove who is telling the truth.
When a driver has chosen the Limited Tort option for their own automobile insurance, the other driver’s insurance company is going to be looking for facts which demonstrate no “serious impairment of a bodily function” condition, which is required in order to collect damages for pain and suffering. That means they are going to look for documentation of the full extent to which someone is impaired, the things that they are not able to do and the functions they are not able to perform because of an injury. If they find nothing more than aches and pains, they are going to see that as a very defensible case.
It Is Important To Contact Your Insurance Company After An Auto Collision. To talk to an attorney, call the law office of Fodera & Long for a FREE Initial Consultation at (215) 569-1212 and get the information and legal answers you’re seeking.