There is often confusion about when a car accident should be reported to the Police and to an insurance company.
Reporting to Police
The law requires a car accident to be reported to the Police within 24 hours if:
- Anyone is injured or killed; or
- If particulars (i.e. name, address & registration number of car) of each driver are not exchanged; or
- A car is required to be towed away; or
- There is greater than $2,500.00 w
orth of damage to a car.
Fines can be issued if the car accident is not reported, when required.
It is often best to report a car accident to the Police as soon as possible after the accident, even if you are unsure whether it needs to be reported. For example, after the accident attending a local Police Station or calling a local Police Station. They can provide further assistance. This will avoid any future headaches if there is a claim for personal injury or property damage.
Reporting to your Insurer
If you will be making a claim on your insurance for damage to your car, it is best to call your insurance company as soon as possible. Some insurance policies may contain strict requirements to report a car accident within a certain period or the insurer can refuse to cover the damage.
If you caused an accident or you think you may be at fault, the other driver or their insurer may send you a letter of demand for any property damage you caused. You will then need to consider sending that to your insurer, however beware that you may have to pay an excess. If you ignore the letter of demand, then legal action may be brought against you.
If you or someone else suffers a personal injury, then you should immediately seek medical attention and then contact one of our motor accident lawyers for legal advice.