Should I File Claim with my Auto Insurance or Theirs?

An image illustration of Filling a Claim with my Auto Insurance or Theirs
Filling a Claim with my Auto Insurance or Theirs
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Should I File Claim with my Auto Insurance or Theirs?

It’s typically advised to promptly report any damage to your car to your insurance company.

This is because insurance companies typically require policyholders to report any accidents they’re involved in.

Failing to report your accident could even lead to the cancellation of your policy.

An image illustrating if I Should File a Claim with my Auto Insurance or Theirs
Should I File a Claim with my Auto Insurance or Theirs
Source: (freepik)

Should I File a Claim With My Auto Insurance or Theirs?

When deciding whether to file an insurance claim with your auto insurance or the other party’s, there are three common scenarios where it generally makes sense to file a claim against the other driver’s coverage.

These situations include when you’re not at fault and lack collision coverage, when you’re not at fault and prefer not to involve your provider.

Even when the accident isn’t your fault, initiating the car insurance claims process with your own insurance provider can still result in increased insurance premiums.

Due to this, drivers may want to avoid defaulting to filing a claim with their own provider if possible.

What to do after a car accident that’s not your fault

  1. Call the police: Only an official police report can determine the at-fault party in a car accident, so contacting the police is essential before filing a claim with the insurance provider.
  2. Document the accident scene: Take as many photos and videos of the accident site as possible. This information can assist your insurance provider in building a case against the other driver if needed. Don’t forget to capture images of any injuries you may have sustained during the collision.
  3. Be cautious with your statements: What you say to the police, the other driver, and the insurance companies can all be used to establish liability. Be careful about whom you talk to and what you say. When in doubt, consult your insurance provider.
  4. Notify your insurance company: Even if you don’t plan on filing a claim with your insurance company, you still need to inform them that the accident has occurred.

Should I talk to the other insurance company after an accident?

It is generally recommended that you avoid direct communication with the other party’s insurance company, even if you’re filing a claim against them.

The only time you might consider speaking with the other side’s insurance provider directly is when they have incorrect information about the accident, such as fault or involved parties.

When filing an auto insurance claim against someone else, you can call the other driver’s insurance provider to initiate a third-party claims process.

If the other driver is at fault, you’ll be filing a claim against their liability coverage.

This process may take longer than filing with your own insurance provider.

Reason being  the other party’s insurance company may want to investigate the claim before making any payments.

Should I call my insurance if it wasn’t my fault?

Yes, you should always call your insurance provider if you’ve been in an accident with another person, even if it wasn’t your fault.

You have a legal obligation to report the accident to your insurance company within a reasonable timeframe.

They may be able to assist you in defending against claims from the other party.


How to exchange insurance information

If you’ve been in a car accident with someone, always exchange the following six important details about the other driver:

  1. Name
  2. Phone number
  3. License plate number
  4. Driver’s license number
  5. Auto insurance provider
  6. Auto insurance policy number

Contact your insurer right away, regardless of fault or readiness for claims after an accident.

Deciding between your insurer and the other party’s can be complex.

Notify your provider and provide essential details – a critical first step.

Consult your insurer for advice on the best approach to vehicle repairs and medical bill coverage.

In Conclusion

The decision of whether to file an insurance claim with your auto insurance or the other party’s insurance depends on various factors and scenarios.

It’s essential to carefully consider your circumstances, such as fault, coverage, and the potential impact on your premiums.

While each situation is unique, the key takeaway is that prompt and informed action is crucial after an accident.

Always report the incident to your insurance provider, gather essential information, and consult with your insurance company to determine the most appropriate course of action.

Your insurer can guide you in making the right decision to ensure your vehicle and well-being are taken care of.

Regardless of fault, while minimizing any adverse consequences on your policy.

ALSO READ : Is Texas a no fault Auto Insurance State?

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