After a car crash in New Mexico, many people understandably wonder whether they should contact their insurance company right away. If you have recently been in an accident, know that you are generally required to report the crash to your insurance company within a reasonable timeframe, likely outlined in your policy. Waiting too long may give your insurer a reason to deny coverage. However, calling too soon—before you understand the full picture and have retained knowledgeable legal counsel—can also be risky.
When you notify your insurance provider about what happened, you’re going to need to be cautious about what you say. Avoid speculating about fault or downplaying injuries. Your words could be used later to reduce or deny your claim. This is just one of the many reasons why it is generally wise to allow your legal team to communicate with your insurer and to only speak with a claims adjuster if/when you are directed to in an informed way by your lawyer.
What’s the big deal?
New Mexico observes a comparative negligence system, meaning that the value of a victim’s compensation award can be reduced if they are found to be partially at fault for their own harm. That makes it especially important to avoid admitting blame during early conversations with insurers. Stick to the facts and wait to speak in detail unless directed to by your legal advocates.
Calling your insurer quickly can help with certain time-sensitive benefits, such as rental coverage or towing services. It also allows the claims process to begin. However, you do not have to go it alone. Speaking with a personal injury attorney before giving a full statement can help to protect your interests. The same caution applies if another involved driver’s insurer reaches out. Their goal may be to settle quickly or gather information that limits their liability. Do not feel pressured to talk without first understanding your rights.