When do I notify the insurance company?
If you are injured, it may be in your best interest to immediately contact a personal injury lawyer before talking with the other driver's insurance company. The attorney will then notify the insurance company of your claim and will protect your rights.
If you are filing a claim under your own insurance coverage, your policy may require that a notice of injury be filed within a specific number of days or within a reasonable time after the accident. However, even if you have delayed before filing a notice of claim, the insurance company may have to honor your claim unless the claim was reported so late that it prejudiced the insurance company’s ability to investigate the claim.