1-800-964-0361
The drivers involved in an accident do not always need to report that same incident. Still, any driver might fight it necessary to report an accident under specific circumstances.
Possible reasons for reporting a collision
A dispute was created when the involved drivers began to exchange their information. That should trigger a call to the police. One of the involved motorists has refused to cooperate with the other motorist. Those facts describe another situation in which a call to the police has become a necessity. If anyone got injured during the collision, the police should be notified. If an accident takes place during inclement weather, a smart driver calls either 911 or a law enforcement officer.
The one time when those involved in a motor vehicle accident do not have to contact their insurance company:
Three different elements must be present at the time of a collision, if the involved drivers want to be relieved of the duty of calling their insurance company. First of all, the incident must take place on the driver’s property. Second, the driver must be at the wheel of the vehicle that he or she has insured. Finally, no one should have become injured as a result of that particular incident.
The insurance company realizes that the insured vehicle could get damaged at such a time. Still, it does not insist on being informed, regarding the minor mishap. Insurers assume that no one would give an OK to performance of actions that might damage an insured vehicle, without overseeing the dangerous operation. Normally, a driver provides such oversight when on his or her own property.
Personal Injury Lawyer in Stouffville know that any situation that is analogous to the one with the 3 listed elements could result in a collision, one that a policy holder might refrain from mentioning to the insurance company. For instance, suppose a policy holder has purchased the first home built on a given street in a new development. Then suppose that home sits on a slope, above a dead-end street, one that seldom gets any traffic.
Now imagine that same policy holder trying to tow one of the family’s 2 cars, using the other car. The policy holder makes the risky move of having a new driver, a teenager, sit at the wheel of one of the 2 vehicles. That new driver has never done any towing. As a result, one car stops, while the one behind it keeps going.
The car that got the slight impact to the rear developed a small dent. The policy holder was responsible for damage to a vehicle that he had insured. Hence, the insurance company never learned about that dent, only about a later transfer of the ownership papers.