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What information do you need to file?

Every claim is different, but in general you’ll need your policy number and contact info, photos of the damaged area(s) on the vehicle(s), date and location of the incident. A description is also needed of what happened including details of injuries and other vehicles involved, along with other relevant documentation such as a policy report.

If you want to file a claim, start as soon as you can, even if you don’t have everything ready.
Do I have to report an accident or claim even if I’m not at fault?

We encourage you to contact us any time you have a loss, especially when there’s another person involved. This helps us to ensure that we’re protected you financially in case the other party reports property damage or injuries.

If you want to file a claim, start as soon as you can, even if you don’t have everything ready.

Insurance rates always skyrocket right after a car accident.

Myth. And at Novo, the rate for your current policy will not immediately be impacted by filing a claim — although insurance rates may go up at the time of renewal. Your claims history is one of many details that insurance companies look at when calculating premiums. If there are changes in your rate, we’ll give you a heads up before you renew your policy. But if you weren’t at fault, you probably won’t get a higher insurance rate.

Someone else hit me and now I’m stuck paying more for insurance.

Myth. The last thing you want to think of after getting hit by another driver is that you’re going to have to pay extra cash for insurance, right? But in many states, you probably won’t see rates go up if someone else is entirely at fault.

You can get sued if you were in a car accident. 

Unfortunately, this is true. We know that accidents can be scary enough, even without a lawsuit. Let us help if you receive a legal summons or complaint. Contact your claim adjuster as soon as possible and have a copy of the summons available so that we may be able to assist in your legal defense.

It’s smart to wait awhile before letting your insurance know there was a car accident.

Myth. It might be fun to procrastinate at times... but not over something so important. Not when there’s an official deadline. Check your state’s department of insurance for their statute of limitations and policies. We suggest you get it out of the way (yup, same advice your mom probably gave you about doing your homework) and start the process as soon as you can.

Eh, it’s best to skip the claim if the accident is no big deal and no one got hurt.

Myth. Some people think that they shouldn't file a claim if it wasn’t their fault and the other driver is handing them cash. You should never accept money such as a check or cash from the driver who is at fault immediately after an accident. What if the other driver suddenly claims to have problems down the road? What if you both leave the scene, and they call their insurance company and pin the blame on you? By reporting a car accident, we can help protect you better.

The driver who caused the car accident is always responsible for covering everything.

Myth. While this is usually true, and at-fault drivers typically cover damages with the help of their liability insurance, it can vary in “no-fault” states.