How do I file a car insurance claim against the other driver?
No one wants to file a claim against their own insurance. Between having to pay your deductible to get repairs done and the hit that your CLUE report takes, it makes for a bad situation for something that wasn’t your fault. So the other alternative is to file a claim against the at-fault driver’s car insurance instead, but how do you get that done.
Steps to Take at the Accident
Being able to file a claim against the other driver’s car insurance starts at the accident scene. When you are exchanging information take a picture of the front and back of the insurance card of the other driver. The front of the card will give you the policy identifying information and the back of the card will provide the phone number to call to be able to file a claim.
If possible, call the police so they can create a police report for the accident.
After the Accident
Call the other person’s insurance as soon as you are able to after the car accident and get the claims process moving. The adjuster with the other company isn’t going to be able to do anything until they can get a hold of their insured and take a claim statement of what happened during the accident, so get the process started as soon as possible. Also please understand that if they are not able to get a hold of their client to take a statement, they are not going to be able to do anything about the claim.
This is when you provide the police report with the details of the accident. Hopefully, the report will clearly show that their client was at fault.
Claim Denied by Other Company
If the other company denies the claim because of not being able to get a hold of their insured or they do not believe that their insured was at fault, then you will be left with no recourse other than to file a claim with your own car insurance company for your damages.
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