Involved In An Accident That’s Not Your Fault?

It can be difficult for you to have to deal with your insurance company after an accident. However, dealing with the other driver’s insurance company can be even more difficult. Fortunately, there are things that you can do to maintain your cool and sanity after an accident.

Tips for Coping With A Car Accident

Gather The Pertinent Information

People who cause car accidents are supposed to report the accident to their own insurance company. However, you should also contact the other driver’s insurance company. Many people who cause accidents are hesitant to contact their insurance company. 

It is also important for you to get the other driver’s information, such as their name, address and insurance information. Furthermore, you should take pictures of the accident scene and collect witness statements. The more information you get from the accident scene, the easier it will be for you to file a claim. Check to see if your insurance company has an app that allows you to document the accident before you leave the scene.

Contact The Right People

After you have gathered all of the necessary information, you should let the other person’s insurance company know about the accident. Even if you think that the other person is responsible for the accident, you should only report the facts. You should also get in touch with your own insurance company. Your insurance company will be able to help you even if the other person’s insurer wants to deny responsibility.

Make sure that the other insurer has accepted liability before you make any repairs. You will need to get this authorization in writing.

Choose Your Battles Wisely

The other person’s insurance company may tell you that you should seek compensation from your own insurance company. It is not usual for the insurance company to take the policyholder’s side. In many states, it is illegal for insurance companies to deny claims without investigating claims. However, you may not want to fight the other person’s insurance company.

If you want to fight the other person’s insurance company, then you should contact a lawyer. Your attorney can help you get a better understanding of the laws that govern insurance. 

How Your Insurance Company Can Help You

You can file a claim with your own insurance company if you have collision coverage. It will pay for the cost of repairing your vehicle. If you have uninsured motorist coverage and the other person does not have insurance, then you can use it to pay for the cost of repairing your vehicles. Personal injury protection insurance can pay for your medical expenses.