How much time do you have to report a car accident to your insurance company?

It is a requirement of most insurance policies that you let your insurer know about an accident as soon as possible after it occurs.  This is part of your duty of disclosure under the policy which requires you to tell your insurer about certain events or changes in your circumstances.

If you breach your duty of disclosure you could void your insurance policy, meaning it may not pay out when you need it.

What if I don’t want to make a claim? 

Even if the damage to your vehicle is minor and you don’t want to make a claim, it's a good idea to report the accident anyway. The other driver could make a claim against you for damages, meaning that you may decide to make a claim, after all, at a later stage.

Injured? Get expert advice now: Smith's are Queensland's only 100% risk-free injury compensation lawyers. Insist on our 'No Win. No Fee. No Catch' ® promise. Check your rights with no risk or obligations now and talk direct to our Principal lawyer, Greg Smith. Call 1800 266 801 OR  check if you can claim

Benefits of notifying your insurer sooner rather than later

It can be beneficial to notify your insurer of an accident, theft or damage as soon as possible.

Even if you don’t have all the facts at hand, your insurer can go over the claims process for you, advise you of any information you will need or steps you should take in the meantime. They can also let you know what you will and will not be covered for.

Your insurer can also be of assistance immediately after an accident as they can talk you through a difficult situation. When traumatic incidents occur, it's helpful to have a calm, stable third party to reassure you and help you decide on your next steps. Your insurer can provide a lot of helpful advice in the moments and hours following a car accident.



Next steps - get advice now

It’s important to get advice for your specific situation. Check if you can make a risk-free compensation claim and get free initial advice from our Principal lawyer, Greg Smith.

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Last update on:
May 29, 2018
Disclaimer: This information is designed for general information in relation to Queensland compensation law. It does not constitute legal advice. We strongly recommend you seek legal advice in regards to your specific situation. For expert advice call 1800 266 801 or chat via live chat to arrange free initial advice with our Principal lawyer, Greg Smith.


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