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The importance of reporting a collision to an insurance agency

Car accidents never occur at convenient times. Everyone has some other place to be and deadlines to meet. That's why many Georgia drivers find it tempting to put off reporting collisions to their insurance agencies. While it's always critical for drivers to address their medical needs first, there can be severe consequences for a driver failing to make a timely report to their insurer.

To be sure, not all car accidents are worth reporting. While these circumstances are uncommon, some minor accidents will cost a driver less than their insurance deductible to repair. This is especially true in single vehicle accidents where there are no other drivers that need to be considered. Since an insurer might raise rates even after a minor collision, reporting could make little sense financially.

However, drivers who decide to report collisions should do so as quickly as possible. Many insurers offer 24-hour hotlines for reporting claims. Most policies will specify the timeframe in which a response is required. It's important for drivers to be aware of these deadlines, which could affect whether a carrier denies coverage or not.

If an accident victim wishes to file a lawsuit to obtain compensation, they must consider their state laws. Each state has so-called statutes of limitations for personal injury claims. Under a statute of limitations, a driver has a certain amount of time from the day the collision takes place to file a lawsuit.

If a driver's injuries aren't fully covered by an insurance policy, they may require the assistance of an attorney with experience in personal injury law. A lawyer can potentially negotiate a settlement on behalf of the driver. If a settlement isn't possible, an attorney can navigate the relevant statute of limitations and file a lawsuit to recover damages.

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