What Do You Have to Tell Your Auto Insurance Company?

What You Must Tell Your Auto Insurance Company

Sometimes it can seem like your auto insurance company asks a lot of questions. Whether on your application, in your notice of claim, or during discovery, there is some information you are required to provide. Find out what you have to tell your auto insurance company at each stage of the game.

What to Tell Your Auto Insurance Company on the Policy Application

When you sign up for a Michigan no-fault auto insurance policy, the application will ask you to disclose a fair amount of personal information. Some benefits you, other information helps the insurer, but it is all required.

For example, your auto insurance application will likely ask you to name every driver to be included on the policy. It may be tempting to skip your 16-year-old new driver to save some money. But doing so could mean that when your teen gets into an accident he or she will not be covered as a “named insured.”

Most policy applications will also ask you to disclose every vehicle-related conviction on your record – including everything from drunk driving to minor traffic citations. The cost of your insurance will depend in part on the number of points on your record, so it may be tempting to “forget” a couple. But doing so could allow your insurance company to void your entire policy after an accident. Be thorough and truthful to protect you and your family later on.

What Should Be Included in Your Notice of Claim

Your no-fault insurance is designed to kick in after an injury accident. But you won’t get paid unless you let the insurance company know what happened. Most auto insurance policies require you to complete a Notice of Claim or Application for Benefits within days of the accident. That is why it is so important to get an auto accident attorney involved right away. Your notice of claim should include:

  • The injured person’s name and address;
  • The time, date, and place of the injury; and
  • What kind of injuries were sustained.

It is important to include every injury, no matter how small it may appear at the time. Some injuries, particularly to the brain or spine, can develop in the weeks and months following an accident. If you don’t disclose that initial minor concussion, it could make it more difficult to fight for brain injury benefits later on.

What Will Be Disclosed in Discovery

During a lawsuit, each side has the right to gather information about the claims. In an auto accident case, this includes your medical history, deposition, and physical examination. This can seem overly personal. However, if you refuse to comply with these discovery requests, it could cause your case to be dismissed.

It can be tempting to try to withhold information from your attorney or your insurance company. It might get you a better rate or make you look better in the short term. However, omitting information from your application, notice of claims, or discovery, could hurt your chances at court.


Everyone at Christensen Law was extremely friendly and very easy to work with. Whenever I had a question, they took the time to talk with me and explained everything thoroughly. They were also very quick to return phone calls. I would definitely recommend Christensen Law to anyone in need of a personal injury lawyer.

I suffered Traumatic Brain Injury when struck by a vehicle while walking. My recovery was a long uphill battle; I had little energy to expend on daily routines and even LESS on caring for my home and life. I wondered how I could continue into the future with the difficulties I faced.

I handed the baton off to David and Sarah of Christensen Law. They resolved the unique challenges of my case while buffering me from the opposing side’s onslaught. The case concluded successfully and to my satisfaction with minimal effort on my part.

To ease the burden of the load you carry, make the decision on your legal team today. You’re in the right place – all you have to do now is make the call.

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V. Watkins

I never knew attorneys could be so accessible and kind. They fought for me all the way to the end. They had to take my case to trial and they won me a great settlement. Now I have a secure future.


HH, Davison

I was treated very nicely and professionally with a lot of consideration and compassion for my disabilities suffered in a horrible car accident. Mr. Christensen and Sarah Stempky made sure I understood what was happening with my case and that everything was pulled together.

LG, Stockbridge

As an accident victim I had to have my leg amputated and I was in bad shape overall. David Christensen was a light in that experience. I ended up with an entire home modification to accommodate my disabilities. It was a very stubborn insurance company but David wouldn’t take no for an answer.

CB, Milford

If I had questions or worries Dave would address them with me because he knows what he is doing. I think the world of him. I felt he went above and beyond to turn a really bad situation around. I have hope now where before I felt powerless and miniscule and that these big insurance companies were just going to railroad me.

DT, Jackson

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