Get a copy of your insurance policy and read it!
Notify your insurance agent or carrier immediately of any loss, even if it wasn’t your fault, even if you don’t think it’s a big deal, and even if you don’t think it’s covered. Keep notes and a record of what you reported, exactly who you reported it to, and when you did this.
Don’t give a written or recorded statement to the insurance company unless your policy specifically requires it, and even then, get the advice of an attorney before you go “on the record” talking to anyone about the incident.
Be sure you have adequate uninsured motorist coverage. Too many injuries are caused by habitual bad drivers who have no insurance, drivers from out of state who are not required to have liability coverage, hit and run / unknown drivers, or people who do not have permission to operate the car they are driving. In all these situations uninsured motorist coverage may be your only hope for compensation. So be sure you have all the uninsured motorist coverage your budget can accommodate.
If you are on a jury hearing about an injury case, the parties are normally not allowed to mention insurance. 99 times out of 100 it is an insurance company who is paying to defend the case, and who will pay the verdict. There is usually not much point in suing a private individual who has no insurance unless you are actually making an uninsured motorist claim against your own insurance.
The Law Office of David W. Hibbert
2302 Brockett Road, Suite C
Tucker, GA 30084-4455