If I'm involved in a car accident, do I have to tell the insurance company about it right away or can I try to handle it on my own?
Most policies require that you give "prompt notice" of any car accident or loss. If you drag your feet before reporting the claim and the delay prevents the insurance company from investigating thoroughly or taking other action, the company may deny the claim outright or lessen the amount it pays.
If you try to settle a claim yourself, you may do or say something which could make it more difficult for the insurance company to settle the claim later. That may jeopardize the terms of your policy, and again the company may deny the entire claim or lessen the amount of money you get.
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