What Happens If You Dont Fill Out The Accident Insurance Form

If you fail to report a loss or claim within a reasonable amount of time your insurer may deny coverage on the basis that you ve breached the insurance contract.

What happens if you dont fill out the accident insurance form. In many cases your insurance company will get involved and begin investigating to try and determine whether damages can be recovered from the other driver s insurance company. If you happen to get into an accident during this time you will not have your insurance to help out financially with any portion of the accident this includes you your car any other cars involved any other injuries sustained by others involved. If you are seeking to obtain a copy of a police accident report for your own use or at the request of your insurance company please refer to the guidelines below. To make an uninsured motorist um claim you will need to file another form the sr 19c.

Insurance companies routinely obtain copies of police accident reports form mv 104a from the new york state department of motor vehicles dmv as part of the insurance claim process. You should file an sr 1 within ten days of an accident. Other drivers give false insurance information all too often. Note that your insurance company must also complete a portion to verify your coverage.

The dmv suspends your license for a year because they assume you did not have insurance at the time of the accident. The sr 1 form provides evidence when an uninsured driver has an accident which is important to the other driver for insurance reasons. Likewise the iso general liability form requires you to notify the insurer as soon as practicable in the event of an occurrence offense claim or suit. Probably the best course of action is to in fact retain an attorney to help you with this.

If you do not pay your bill your policy lapses which ultimately means you are no longer insured. They might make you fill out the sr 1 form while you are in the dmv. One reason is that yes if you are going to pursue a claim for the son s injuries the insurer for the liable party must see the medical records. One way to get them is for you to sign a hipaa compliant release.

Whatever reason you have not paying your auto insurance bills is an expensive mistake that can have long lasting and hard hitting repercussions. If you don t properly submit this report the dmv will take this as evidence that the vehicle was not insured and you might be subject to legal penalties for driving without insurance.