If you have been involved in a motor vehicle accident while traveling in New Jersey, you will need to file a report with your insurance company. Ideally, you will do so within 24 hours of the crash taking place. In most cases, you are not required to talk with any other driver’s insurance provider.
Provide as much objective information as possible
Your insurance company is going to want to know as many details of the accident as possible. These details include the location of the collision, how fast your vehicle was traveling when it collided with another vehicle or object and any other facts that may be relevant. For instance, if the road was covered in ice or snow at the time of the crash, you’ll want to mention that as it could impact who should be deemed responsible for the collision.
Don’t be afraid to say that you don’t know the answer to a question
It is never in your best interest to guess when talking to an insurance company. Doing so may increase the risk of saying something that may imply that you were responsible for causing a crash to occur. If you don’t know the answer to a question, do not hesitate to say so as it allows you to be honest without potentially jeopardizing your legal position.
What happens if another driver’s coverage provider asks to speak with you?
In the event that you’re contacted by another insurance company, simply send that entity a copy of the statement made to your own coverage provider. This should be enough to help that entity conduct a motor vehicle accident investigation of its own.
A motor vehicle accident may result in lost wages, medical bills and other damages. If another driver is liable for causing a crash that leads to financial losses, that person’s insurance company may be responsible for reimbursing you for those losses. In addition, it may be possible to take direct legal action against another person to obtain a financial award in your case.