Should I File A Claim With My Auto Insurance Or Theirs?

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Should I File A Claim With My Auto Insurance Or Theirs?

Three main situations influence the decision of which auto insurance company you should file a claim with. 

  1. If you are not at fault and have no collision coverage, you should file a claim with the at-fault party. 
  2. If you aren’t at fault and don’t want to contact your own insurer, you may want to contact the other driver’s insurance. 
  3. If you do not wish to pay your insurance deductible, you might also want to file a third-party claim with their insurance. 

It usually takes longer to file a third-party insurance claim. Some insurance policies also require you to notify your insurance company if an accident occurs, which means you should be aware of your particular circumstances before you decide not to contact your insurance.

Your insurance company may even tell you to file a third-party claim with the other insurer after you contact them. 

Note that if you live in a no-fault state, you would have to file a claim with your own insurance company regardless of liability. 

What to do After a Car Accident That’s Not Your Fault

Staying safe and getting medical attention are usually the most important after a car accident. After everything on the scene of the accident has been taken care of, you are probably wondering what to do if the car accident wasn’t your fault. 

In many cases, the other party’s liability insurance coverage should pay for damages to your car and property. It should also cover your medical bills, up to the policy limit. This means you may want to file a third-party claim with the at-fault driver’s insurance company. 

However, if you live in a no-fault state, you need to file a claim with your own insurance carrier no matter who is found liable for the auto accident.

Should I Talk to the Other Insurance Company After an Accident?

It is usually a good idea to exchange contact and insurance information following an accident. If you are found not at fault for the accident, you can file a claim against the at-fault driver’s liability insurance. In that case, you would have to talk with the other insurance company. 

How to File an Auto Insurance Claim Against Someone

To file an insurance claim, you need the involved parties' names, addresses, insurance policy numbers, and phone numbers. Photos can also help you with your case. 

If the other driver is found at fault for the accident, usually determined by the police, you may be able to file an insurance claim against them and have their insurance cover your damages and bills. 

Should I Call My Insurance if it Wasn’t My Fault?

If you have insurance coverage, such as collision insurance, medical payments coverage (MedPay), or Personal Injury Protection (PIP), you should probably call your insurance even if it wasn’t your fault.

If the at-fault party doesn’t have insurance, has low limits, or does not have their information, making a timely claim to your own insurance may be a good idea. 

How to Exchange Insurance Information

Exchanging information can be challenging if the accident scene was chaotic or there was a hit-and-run. When exchanging insurance information, it is critical to get to safety first, such as moving off to the side of the road or going on a secure pedestrian sidewalk.

Make sure you have called 911 after the accident and have checked yourselves for injuries. 

After necessary safety steps are taken, it is time to exchange insurance information with the other driver(s). The most important information that should be exchanged includes:

  • Full name 
  • Contact info such as phone number
  • Insurance company and policy number
  • Driver’s license number and license plate 
  • Type, color, and model of vehicles
  • Location and details of the accident

Should I Report Car Damage to my Insurance?

It is usually recommended to promptly report car damage to your insurance. This is because insurance companies require policyholders to report accidents they are involved in. If you fail to report your accident, it may even result in the cancellation of your policy! 

In addition, the sooner you report your car damage, the more likely your claim will succeed and the quicker you can receive the claim payment. If you delay the filing of your claim, your insurance company may raise doubts over the legitimacy and severity of your injuries or car damages. Auto insurance fraud has resulted in more wary insurance companies. 

Ensure you properly document any damages, losses, and bills following a car accident. This way if you need the details, you will have the information and photographic evidence at hand. 

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