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After an accident, many people get lost and do not know what to report to the insurer and within what time. Yet it is often the correct actions in the first days that determine whether you receive a payout. In this article, step by step and clearly, we explain how to notify the insurance company about an accident and not lose your right to compensation.
This material is for information only. The specific time limits and requirements depend on your contract and the current legislation, so they should be checked for your situation.
The insurance contract and the compulsory motor third party liability (MTPL) legislation set the time within which the injured party or the policyholder must notify the insurer of the event. If this deadline is missed without good reason, the insurer may cite a breach of the procedure and reduce the payout or refuse. So do not put off the notification.
You should notify the insurer in the way provided for by the contract: by phone on the hotline, through an app, by email or in writing. A practical tip: duplicate an oral notification with a written one and keep proof: a screenshot, a reference number, a description of what was sent. This will be useful if a dispute later arises about whether you notified in time.
The notification usually states the date, time and place of the accident, the circumstances, the participants’ details and an approximate list of the damage. At this stage you should not admit full fault or sign documents whose content is unclear to you.
It happens that the insurer understates the amount, demands unnecessary documents or refuses without clear grounds. In such cases you should not give up: the insurer’s actions can be challenged, and the payout obtained in the manner provided for by law. Here the help of a lawyer is useful, who will assess how well-founded the insurer’s position is and prepare the necessary applications. If there are injured parties in the accident or a dispute over fault, see also the materials in the traffic law section.
Within what time must I notify the insurer about an accident?
Within the time set by your contract and the MTPL legislation. It is short, so notify as soon as possible.
Can I notify only by phone?
You can, but it is better to duplicate it in writing and keep proof of the notification, this will protect you in case of a dispute.
What happens if I miss the deadline?
The insurer may cite a breach of the procedure and reduce the payout or refuse. So it is important to meet the deadline.
Do I need to admit fault at the scene?
No. Record the circumstances, but do not sign documents you do not understand and do not take full fault upon yourself prematurely.
What should I do if the insurer has refused?
A refusal can be challenged. A lawyer will assess how well-founded it is and help obtain the payout lawfully.
If the insurer understates the amount or refuses, LEXON lawyers will help assess the situation, prepare the applications and protect your right to compensation. We are available around the clock. Leave a request or call us.
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