If you are in an accident with another driver, and you both have insurance car, then you may not know which insurance company to call.
Which insurance car do you call after an accident? Which car insurance do you get into contact with? Today, we are explaining everything you need to know about whose insurance company to call after an accident.
Even When Not At Fault ,Consider Calling Your Own Insurance Car Company
Generally, it’s a good idea to contact your own insurance company after any accident – even if you clearly weren’t at fault.
Whatever Remember, your own insurance company shouldn’t raise your rates after a claim related to an accident that wasn’t your fault. If someone collided with your car in an at-fault collision, then you can’t be expected to pay higher insurance premiums. You weren’t at-fault.
So if you weren’t at-fault, you may still want to contact your own insurance for you immediately and then seek compensation through the insurance company of the at-fault driver. This is a process called ‘subrogation’.
It allows your own insurance company to cover the immediate costs of a claim, including your immediate medical expenses and vehicle repair costs, before the insurance companies and law enforcement determine who was at fault.
It is also a good idea to contact your own insurance company if you live in a no fault state. 12 states in America are considered no-fault states. In these states, you have certain vehicle insurance policies that provide coverage regardless of who was at-fault.
The twelve no-fault states are Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah (as well as Puerto Rico).
Advantages of Calling Your Own Insurance Company
Many drivers are hesitant to call their own insurance company after an accident – especially if they were not at fault.
They maybe not want to pay higher rates for car insurance, for example. So, there are a number of crucial advantages to contacting your own car insurance company after an accident regardless of fault, including.
You Maybe More Comfortable with Your Own Car Insurance Company:
You know your own car insurance company. You’ve dealt with your own car insurance company before.
Sometimes, you maybe more comfortable dealing with your own insurance company.
The Other Driver Might Avoid Contacting Their Own Car Insurance Company:
Don’t assume the other driver will contact his or her own car insurance company.
The other driver maybe claim to have contacted his own insurance company, for example, only to avoid ever making a clim.
By the time you realize there’s no record of the accident, it is too late. By contacting your own auto insurance company, you can avoid the hassle.
Your Own Insurance Company Pays Out More Quickly:
The one of the best advantages to contacting your own car insurance company is that the payout arrives more quickly.
If you contact the insurance company of the at-fault driver, then that insurance company needs to determine fault before paying your damages. Your own car insurance company will pay out before determining fault.
Your own car insurance company will also be able to provide immediate rental reimbursement coverage if you need a vehicle.
The Other Driver Maybe don’t Have Insurance:
One in seven drivers in the US has no insurance. If the other driver has no insurance, then you cannot make a claim even if the other driver is at-fault. You can sue the driver for although typically,damages, drivers with no insurance have few assets to go after.
By contacting your own cat insurance company, you can use your uninsured/underinsured motorist coverage. This coverage is required in many states but optional in others.