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.

Should I claim through my car insurance or theirs?

You should make a claim against the other driver and allow the insurer to decide who is responsible for the accident. If you’ve been in an accident and you receive a letter or claim form from the other driver or their insurer forward this to your own insurer.

What to do when the at fault driver’s insurance company?

When the at-fault driver’s insurance company refuses to pay your claim and you don’t want to go through your own insurance company, the only other option is to file a lawsuit. You can’t sue the insurance company directly, but you can sue the driver to force their insurance company to the bargaining table.

What happens if you’re not at fault in a car accident?

If you’ve been hit by a driver and you’re not at fault, you will still only file a claim with your insurance company. You don’t need to claim on the other driver’s insurance.

Do you have to claim on the other driver’s insurance?

You don’t need to claim on the other driver’s insurance. In certain cases, the other insurance company may call you to record your version of the accident, but there’s no requirement for you to contact the other person or their insurance company.

When to talk to the other driver’s insurance company?

We’re talking car accidents and insurance companies, so there are exceptions. If you have a minor car accident, the other driver is 100% at fault and it is clear, you might talk to the other adjuster to get the matter settled fast. You might consider doing so if the police report states the other driver caused the wreck.