Should I Talk To The Other Guy’s Insurance Company?
Well, the answer to that question will depend on the situation. When a driver is involved in a car accident, the first thing he must do is to talk to his insurance company. But weighing the situation, some drivers might still need to speak with the other driver’s car insurance company.
Getting involved in a car accident is the number one nightmare of many drivers around the world. This is always true, especially if there’s no injured party. After the accident, both drivers will have to undergo a lot of processes, such as filing a claim. Filing a claim should be done with the driver’s auto insurance company.
After following the initial process needed to perform after an accident, both parties will start filing the claims. If the accident does not clearly show who is at fault, the first thing a driver should do is speak with his own insurance company.
There are situations where the other party’s car insurance company will contact the other driver involved in the car accident to ask some queries. But if we will ask the professionals, it would be great to keep the communication between the driver and the other party’s car insurance company as straightforward and limited as possible.
On the other hand, if the other driver is the reason behind the accident, the driver can immediately file a claim directly to the insurance provider of the other party. This process is called the “third-party claim.”
Who Should You Speak with After a Car Accident?
If someone got into an accident, the very first thing he should do is to ensure his safety and check his passengers for possible body injuries. If possible, it is best to move their vehicle away from the road.
No matter how severe the accident, one of the witnesses, the passengers, or the driver should call 911. The police officers will assess the condition of everyone involved in the accident when it comes to filing a claim. A police report is needed.
After calling the police officers, the following steps should be followed if one driver has been involved in a road mishap.
Contact a Car Insurance Company
When the driver is not seriously injured, it would be best if he collected as much information as possible. Information that needs to be gathered includes the other driver’s insurance provider names, license plate numbers, policy numbers, contact information, and complete name.
Next, the driver should contact and speak with their car insurance provider to let them know about the accident. Aside from that, the driver also needs to provide all the details he gathered after the accidents.
Document the Accident
Drivers are also required to take photos of the location where the accident happens and possible damages to property and car (if there are any).
File for a Claim
Filing a claim should be done as soon as possible. If the driver is bodily injured and is unable to file a claim, he/she is allowed to hire a leading truck accident lawyer in St Louis MO. Fortunately, filing a claim can be done online. Drivers can do so over the phone or through a mobile application.
The driver’s car insurance provider will assign an adjuster to make his own investigation about the accident. The adjuster will also determine what damages will be covered by the insurer.
If a driver lives in a fault accident, the at-fault side will be held responsible for paying all the damages. The car insurance company of the at-fault car operator will cover the damages that are part of their policy.
On the other hand, if the driver lives in a no-fault state, the car insurance companies of all the parties involved in the car accident will cover the losses and damages.
To sum up, communicating with the other driver’s car insurance company is not necessary. When a driver gets involved in a car mishap, the best thing he must do is to talk with his own car insurance provider.
In case the other driver’s insurance company wants to speak with you, it is advisable to ask an attorney or your car insurance company if you are allowed to give a statement. However, if you will file a third-party claim, someone can directly file a claim to the other driver’s insurer.