The Consequences of Not Filing a Claim After an Explosive Car Accident

Car Accident

When you are involved in a car crash that causes significant damage, it is imperative to report the incident. Failing to do so can have detrimental effects on your rights. It may seem like no big deal if you just take your car to the shop without filing a claim, but this could lead to more serious trouble. The longer you leave it before reporting an accident, the more difficult things can become. Here are a number of consequences of not filing a claim after an explosive car accident.

Suspension of Your License

The state will suspend your driver’s license for failure to file a notice of the accident within 10 days of the incident. However, you can receive an extension if you call and ask for permission. This is important because it will prevent additional penalties or fines. The main goal is to file your claim and receive compensation for damages as quickly as possible.

Failure to File a Claim May Void the Insurance Company’s Duty to Pay

If you do not file a claim within 90 days of the accident, your insurance company may void its duty to pay. This is because they are assuming liability on their insurance policy and will not be able to do so without receiving notification. Your insurer may refuse any further payments if you fail to file. Immediately after an accident, you should get help to file a car accident claim to receive the maximum compensation for your damages.

Suspension of Your Insurance Policy

Insurance companies may also suspend your policy if you fail to file a claim within 10 days of the incident. This is another reason it is crucial to report and receive compensation as soon as possible. The insurance company can reinstate your policy after receiving notification of filing a claim. The company will be required to make all further payments that they have promised in writing, regardless of whether you or another party has filed a claim against them.

No Third-Party Compensation if You Fail to File

Insurance companies also decide whether or not to pay third-party victims by the date of the incident. If you fail to file your claim after it is due, they may still cover your personal injuries but not those sustained by others. This means they will not have any obligation to pay for the medical bills or other damages incurred by other individuals involved in the crash. Recovering compensation for those whose injuries are related to your crash is important for recovering any money owed.


If you were involved in an accident and did not file a claim, there are steps you can take to avoid further complications. The first step is to ask for permission to extend the deadline. If you fail to receive an extension, then take proactive steps immediately. The most important thing is to hire a car accident lawyer. They will ensure that you recover the compensation you deserve for your medical bills, harm to your vehicle, and other property damage.

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