Ask An Atlanta Personal Injury Attorney: Why Must I Alert My Insurance Company Of An Accident If It Wasn’t My Fault?

Published September 14th, 2012 in Blog, Car Accidents, Personal Injury Law General

This is a question that gets asked all the time, so I thought I’d clear the air a little bit.  At Kim Law, once we’ve been hired as your attorney, it’s standard procedure that we call both drivers’ insurance companies and open a claim immediately.  What happens when you open a claim is that you simply alert the insurance company that an accident has happened.

Now, when we call our clients to give them an update on their case, I noticed sometimes, we have clients who become extremely irritated and angry at the fact that we have called their own insurance company.  It seems that these clients who become upset by this are worried about their insurance premium going up, which is obviously something nobody wants, but they feel doubly-wronged because they weren’t even the cause of the accident.  I think the general flow of logic is: Yes, I was in an accident, but it wasn’t even my fault.  There is no reason to involve my insurance company and risk raising my premium.

But!  Here’s the thing, it’s actually really important that we do notify your insurance company that you were in an accident.  First off, we need to find out if you have Medpay Coverage, which is something I went over in detail in a previous post.  This is especially useful because it may partially or even fully cover your medical bills.  In addition, there are so many uninsured drivers out there.  According to USA Today, one out of seven drivers are uninsured.  If it is the case that the at-fault driver is uninsured, we have no choice but to go through your own insurance company for compensation, so it’s important that we notify them of the accident as soon as possible.  It’s simply a precautionary measure.  Obviously, this is not the ideal situation, but it’s a better option than no option.

Plus, it’s illegal for insurance companies to raise your premium based on the fact that you were in an accident that was NOT your fault.  Of course, it’s just in the nature of insurance companies that they will try to raise your premium, but it should have nothing to do with an accident that you were not the cause of.


If you or a loved one has been injured in an accident, please contact our office at 770-837-3207.  If you are in need of immediate information, please consult our blog.