Should I go through my insurance or theirs?

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 use their insurance or mine?

Always Call Your Insurer No Matter Where You File A Claim

Regardless of which company you decide to file a claim with, you should report the accident to your own insurer. Reporting the claim to your own insurer puts them in the best position to handle your damages should any delays occur with the other party’s carrier.

Should I contact my insurance company if I am not at 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.

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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.

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.

What should you not say to your insurance 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.

Does my insurance go up if someone hits me?

Naturally, most injured victims that contact our firm want to know about the financial consequences of the collision. A common question that potential clients ask us when they call is whether their car insurance rates will increase as a result of the collision – even if they weren’t at fault. The answer: no.

Should I pay for car accident out of pocket or let insurance pay?

If the cost to repair your car will cost less than your deductible, or even just slightly more, you should handle the repairs out of pocket. For example, if the damage to your car costs $300 to fix and the deductible is $200, you would save $100 by filing a claim.

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Does subrogation affect credit?

Because the subrogation means that you now technically owe money to someone new (even though you haven’t taken out a new loan), your defaulted loan will reappear on your credit history and cause your credit score to drop.

Should I contact the person who hit my car?

If someone hits your car you should call the police. Then you should contact your own insurance company and the other individual involved should contact their insurer.

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 you talk to the other driver’s insurance company?

You Are Not Required to Speak With the Other Driver’s Insurance Company. … Generally speaking, you shouldn’t talk to the other insurance company when there is the potential for anyone involved in the accident (you, the other driver, a passenger) making a claim for serious personal injuries.