If you’re at fault in a collision, it’s generally recommended to file the insurance claim as soon as possible. Regardless of who initiates the claim, it’s crucial to your best interest to report the incident to your insurance company promptly. This allows your insurer to begin their investigation and process any claims more efficiently. Delaying could lead to potential complications, such as a lapse in time-sensitive processes or even a denial of coverage if your policy requires prompt reporting.
Additionally, waiting for the other party to file the claim can prolong the resolution process and may affect your ability to negotiate or contest details. Immediate reporting helps you maintain control over the situation and ensures that your account of the accident is clearly documented. Remember to gather all necessary details and documentation at the scene, including witness contacts and photos, to support your claim. This proactive approach will help secure your interests and facilitate a smoother claims process.
