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Filing a Claim on Another Person’s Car Insurance Policy

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 01/31/2017

Q: i was parked and a driver with insurance (underwriter=insurance policy)bumped my car..he said he lodged a claim which must cover damages to my vehicle..2nd day now, i have not heard from his insurance to get my vehicle assessed and fixed…his name is :-Mxxxxx Sxxxx Bxxxxxx..please give me info ..as he said you will be deALING WITH THE CLAIM??

A: Three things here:

1) Underwriter does not equal insurance policy. Underwriters can be found in many different fields. They are the people that decide if they want to give you a mortgage, provide a loan to you, and in insurance if you are something they want to insure.

2) We are not an insurance company; we do not have policy holder information nor do we have a claims department to file claims. We are simply a website that provides car insurance advice and a place where you can get car insurance quotes for different car insurance companies.

3) Never trust that another person is going to file a claim for damages to your vehicle. If you have not heard from their insurance company, contact them yourself and file the claim.  If you didn’t get their car insurance information and you haven’t heard from their insurance company, file a police report.

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Michele Wilmonen

Michele's first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she's earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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