Yes, you should call your insurance if you were in a car accident that was not your fault. In fact, you should always contact your car insurance company when you are in an accident, regardless of fault. Second, you may discover available coverage to help you with your damages, even if the accident is not your fault.

Should I file a claim if not at fault?

You should file a claim with the other driver’s auto insurance company if you are not at fault for the accident and you have standard liability insurance but no collision coverage. Liability insurance pays for injuries and damage that a driver might cause to other people and property if at fault for a car accident.

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.

How do you file a car insurance claim if you are not at fault?

Even though you’re filing your claim through your carrier, it will still proceed as the at-fault driver’s company. You will give your insurer all of the information that they request and then the claims adjuster will help guide you through the process.

Do you have to file a claim with your insurance company?

There is no specific, legal procedure for filing a claim with your insurance provider, but most car insurance companies agree on a few practical things you should always do: Do not admit fault at the scene – This is first and foremost. Allow the police to do a thorough investigation where they can officially determine fault.

Do you have to report an accident to your insurance company?

Your insurance policy is a contract between the insurance company and you. It could require you to report your accident whether or not you are making a claim and will have a strict deadline to give notice.