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Farar & Lewis LLP is a top rated law firm, with over 40 years of combined experience. Our attorneys have won over $100 million, in combined verdicts and settlements for our clients. You deserve compensation for your pain and suffering, and it's our job to get it for you.

A Practice Dedicated Exclusively To Helping Injury Victims

If you have been injured in an auto accident or another type of accident that you did not cause, it is important that you seek the advice of a qualified California personal injury attorney who knows the law and has the ability to secure the compensation you deserve. At the law firm of Farar & Lewis LLP, we represent Southern California clients through some of the most difficult times of their lives.

We know how overwhelming it can be for injury victims to deal with overzealous insurance adjusters who want to settle their claims for as little as possible. We take the burden of the legal issues off your shoulders and work directly with the insurance company to negotiate a settlement that provides the medical care and financial support necessary to facilitate your recovery. If a fair settlement cannot be negotiated, we will take your case to court.

Our Iron-Clad Commitment To YOU

We are committed to you and your right to no-nonsense legal representation, timely communication and full compensation. We pride ourselves on providing punctual and honest case assessments.

Our team of trial lawyers has over 40 years of combined experience, fighting on behalf of victims all over the state of California. get a free consultation


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Should I notify my insurance company of the accident?

The time after a car accident can be hectic, especially if severe damage or injuries were involved. There are many things that need to be done in this situation, and doing them quickly can save you a lot of time, money and hassle later on. Some things can hold less of a priority, but there are other tasks that need to be done as soon as possible. One of those top priority tasks is notifying your car insurance company of the accident.


Many people often miss important tasks following a car accident due to the chaotic nature of things. Finding an personal injury lawyer is one of these tasks, but that is still only second to notifying your insurance company. In fact, you should notify them before you even start to look into an personal injury law firm.


Some people may not think notifying their car insurance company of an accident is a big deal, especially if they feel that they aren’t at fault. This can be due to many reasons. A person might feel that the accident does not apply to their insurance if they weren’t at fault, and they could believe that the other party’s insurance will handle everything.


You should never trust the other party’s insurance company to handle things for you. Depending on the laws in your area, the requirements for insurance regarding fault may be unclear. The other party’s insurance may decide that you had some part in the accident, however minor that part may be. You have no control over what story the other party tells their insurance – especially when they have motive to lie, and are therefore leaving a lot of important matters in the hands of somebody you cannot completely trust.


With that said, it does not matter whether you are at fault or not. Most insurance policies contain a statement that requires you to notify them immediately following an accident, regardless of whether any damages or injuries occurred. In fact, in some cases, your insurance may not have any obligation to cover your expenses if you fail to report the accident to them in a timely manner.


There are scenarios, however, where the matter of calling your insurance company following an accident can be a little more difficult to decide upon. For example, things get hazier when the “accident” only involves your car or property. This matter will depend on your state or local laws and your insurance policy, however there are cases where minor accidents may not affect your premium and therefore may not need to be reported. This is not always the case, however, and it would be better for you to report it just to be safe.


In the case of an accident that only involves one car, it might make sense not to notify your insurance company in three cases. The first case it might make sense is if your one-car accident involves no injuries or you are able to pay for your injuries by yourself – a.k.a. without the help of your insurance company. If you are involved in a one-car accident with damages to your vehicle, it may make sense not to notify your insurance company if you are, similarly, able to pay for the damages without their help or if the cost of damages amounts to approximately your deductible.


The thing about reporting a claim to your insurance company that causes many people to be weary of doing so is that the claim could potentially cost you more than what you would be paying had you not reported it in the first place. In the situation of a one-car accident that results in one hundred dollars’ worth of repairs, reporting a claim may result in money being tacked onto your policy for years to come. This could cost you hundreds more over time than if you had taken care of it yourself without a claim.


So, should you notify your car insurance company following an accident? The answer in most cases is yes – especially if there are severe damages or any injuries involved. Unless you are prepared to handle things completely on your own, you should notify your insurance company immediately. Also keep in mind local and state laws that may affect the amount of time you have to notify your insurance company. Your insurance policy may also affect this.

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