If another driver thinks you were at fault for an accident, they will make a “third party” claim against your insurance. If you agree with them, your insurer will go ahead and pay out. If you don’t agree, you will raise something called a “liability dispute” with your insurer.

Should you file a claim with your auto 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.

Do I have to declare an insurance claim?

Yes, you need to declare all accidents that you’re involved in, regardless of who, or what, was at fault. Pretty much all insurance providers will have a clause in their policy requiring you to declare any incidences you’re involved in while driving in the past 5 years.

Do you have to file an insurance claim?

In the chaos of it all, somewhere in the back of your mind, you remember you have to file an insurance claim. But do you know how? An insurance claim is a formal request by an insured to their insurance company to compensate them for a covered loss or a damaging event.

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.

Can you file a third party claim with your own insurance company?

If you are filing a third party claim you will do so directly with the other driver’s insurance company, which means you will be in contact with them. However, if you’ve filed a claim with your own insurance company, it’s typically smart not to talk to the other person’s insurance company and to let the insurers work it out between them.

What happens if I claim from two insurance companies?

The second Insurance Company will also apply deductions and limits as per the terms and conditions of the policy against the claim made as if the claim is originally made to this Insurance Company, and arrive at the payable claim amount. Once this amount is arrived, it will deduct the amount already received from first insurance company.