Imagine you get involved in a car crash that you didn’t provoke. It is not fun, isn’t it?
The incident disrupted your drive and you decide on fixing the problem in a way that there’s no room for confusions nor arguments.
Yet, you aren’t as informed as you wish you could to make an informed decision on what to do next.
Was it your fault? Do you know what your policy says about accidents regardless of who’s at fault? Can you file a claim with the other person’s auto insurance company?
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When it comes to auto insurance, it can be tricky to determine who is at fault in a car crash and who should pay for it.
For that reason, we grouped some tips on how to handle another driver’s auto insurance.
Get complete information on the other driver
Once you get involved in a car crash, you are responsible for gathering as much information from the other party as possible.
Try to write down their driver’s license number, insurance information, and license plate. Photos are vital to support your case if you feel that the accident wasn’t your fault.
You can also ask for information to any other witness during the incident as they can also provide great information about it. The more you write down about the incident, the better for you to remember what exactly happened.
Contact the police right away
It would be extra challenging to support your case without a solid police report.
Even the accident is clearly not your fault, and the other motorist fails to support their case, it makes more sense to get a police report to corroborate your case.
A police report also covers all the damages and injuries you may not be able to identify because of your inexperience.
Call your auto insurance company
Regardless of who is at fault, you will need to contact your auto insurance provider to let them know about the accident.
It is your responsibility as the other person’s auto insurance company may contact yours to discuss who about the incident.
You need to keep your agent aware beforehand.
Contact the other person’s auto insurance company
It is also in your best interest to contact the other person’ auto insurance company so as to report the accident.
There are cases in which drivers fail to report the accident to their insurers, delaying the process and making you feel stuck.
It could also be that the other driver who is at fault refuses to cooperate with the investigation, making it hard for you to determine what you are entitled to.
Let the insurance companies take care of the case
After notifying both auto insurance companies, they will examine the case and determine who will pay for the damages.
Depending on your policy, you may have to pay your deductible first in order to have your car repaired.
Yet, if it is confirmed that the accident wasn’t your fault, you will be receive your money back or a portion (it will depend on the nature of the accident) from the other person’s auto insurance provider in a process called “subrogation.”
While nobody is free of getting involved in a car accident, you are strictly advised to follow this guide and show cooperation.