Do I File a Claim With the Other Person’s Insurance?
If you’ve been in a car accident and it wasn’t your fault, you might be asking: Do I file a claim with the other person’s insurance? The short answer is yes, you usually file a claim with the at-fault driver’s insurance company to get your damages paid.
Here’s a simple guide to help you understand what to do next.
What Does Filing a Claim With the Other Person’s Insurance Mean?
When someone else causes a car accident, their insurance company is responsible for paying for the damage and your injuries. This is called a third-party claim because you are making a claim against another person’s insurer.
You can ask the other driver’s insurance to cover things like:
- Fixing or replacing your car
- Medical bills
- Lost wages if you missed work
- Rental car costs while your car is being repaired
How Do I File a Claim With the Other Driver’s Insurance?
Follow these simple steps:
- Get All the Info at the Accident Scene
Make sure to exchange names, phone numbers, insurance details, and driver’s license info with the other driver. Take photos of the accident, your car’s damage, and any injuries. Also, get contact info from any witnesses. - Contact the Other Driver’s Insurance Company
Call or go online to report the accident and start your claim. Give them all the information you collected. - Work With the Insurance Adjuster
The insurance company will send an adjuster to check the damage and decide who’s at fault. Answer their questions and provide any documents they ask for. - Check the Settlement Offer
Once the insurer reviews your claim, they’ll offer a payment. Make sure the offer covers your expenses. If not, you can negotiate or get legal help.
Should I Tell My Own Insurance Company?
Yes, even if you’re filing with the other person’s insurance, it’s smart to let your own insurer know about the accident. They can guide you and help if the other company refuses to pay or if the driver doesn’t have insurance.
What If the Other Driver Doesn’t Admit Fault?
Sometimes the other driver’s insurance may deny your claim or delay payment. If that happens, you might need your own insurance or a lawyer to step in.
Quick Tips to Remember
- Report the accident quickly.
- Keep all documents and records safe.
- Don’t say you’re at fault or give recorded statements without advice.
- Know your rights under your state’s laws.
In Summary
Yes, you can file a claim with the other person’s insurance if they caused the accident. Just make sure to gather info, report the claim quickly, and keep good records. If things get complicated, your own insurance or a lawyer can help you get the compensation you deserve.
