You asked: Should I claim through my car insurance or theirs?

Should I file a claim with my auto insurance or theirs?

Even if you think the accident was minor you should still notify your insurer so that in case the other driver tries to claim against you your insurer will have to protect you against any actions the other side may bring. … If the other party is at fault, it is a better option to pursue your claim through their insurer.

Should I claim on my insurance or theirs?

If the accident wasn’t your fault, you should be able to claim and get compensation from the other driver and their insurance policy (if they’re insured). This means you shouldn’t need to claim on your own insurance. … To claim for damages to your own car, you’ll need to have a fully comprehensive policy.

Should I call my insurance if it was not my fault?

Yes. Regardless of fault, it is important to call your insurance company and report any accident that involved injuries or property damage. A common myth is that you do not need to contact your insurance company if you were not at fault. … In order to use any of these, you are required to notify your insurance company.

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Should I call the other person insurance company after an accident?

You can call the other driver’s insurance company, but you should never negotiate with them. Instead, you should merely file the claim with them by providing the car accident report and the information you were given by the police. This is to alert them there was an accident.

Should I get an estimate before filing a claim?

In order to justify filing a claim, the value of the damage should exceed your deductible. It’s worth getting an estimate of repair costs first.

What should you not say to your insurance company after an accident?

Avoid using phrases like “it was my fault,” “I’m sorry,” or “I apologize.” Don’t apologize to your insurer, the other driver, or law enforcement. Even if you are simply being polite and not intentionally admitting fault, these types of words and phrases will be used against you.

Should I tell my insurance company about a minor accident?

Should you tell your insurer about an accident? Yes – if you’ve been in an accident, you do have to tell your insurer. You should send your insurer a letter telling them what’s happened. But make it crystal clear that this is for ‘information only’ and you don’t wish to make a claim.

Do I have to pay excess if I am not at fault?

Do I have to pay an excess if the accident was not my fault? You do not have to pay an excess if you have a no fault accident.

What should I do if someone hit my car?

What to do if someone hits your car while you’re driving

  1. Pull over and get to safety. Turn on your hazards or light flares so other drivers know to stop. …
  2. Call 911. …
  3. Collect all the required information. …
  4. Document the accident. …
  5. File a claim. …
  6. Follow-up.
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When someone hits your car from behind?

Generally speaking, under California law, if someone hits you from behind, the accident is virtually always that driver’s fault, regardless of the reason you stopped. … If the driver cannot stop, he is not driving as safely as the person in front of him.

Should I make a claim if I’m at fault?

It’s best practice to call your insurance company and file a claim when you’ve been hit by another car and the damage is severe, or you’re at fault in an accident. However, filing a claim will almost certainly increase your premium. If no other party is involved, you can file a claim on your insurance.

What happens if an accident is not your fault?

If you weren’t at fault in an accident, you also have the choice to file a claim with the other driver’s insurance company, called a third-party claim. In a third-party claim, the other insurance company will pay for your car repairs once it determines their driver was at at-fault.