Making a Claim Against Someone Else’s Insurance: How Does It Work?

Making a Claim Against Someone Else’s Insurance: How Does It Work?

When you are involved in a car accident, you may need to file a claim against a third party’s car insurance policy. It’s easier to file a claim than you think, and doing so will help ensure that your medical bills and the damage to your vehicle are covered.

Third-Party Insurance Claims

Third-party insurance claims are filed through the insurance company of the at-fault driver. When this occurs, the at-fault driver will be held responsible when it comes to paying for any damages. Your claim would be covered even if you don’t own a policy. This type of claim normally occurs when you are a passenger in a car involved in an accident.

Exchange Information

After an accident, the first thing you should do is exchange information. This includes your personal contact information and your car insurance information. It’s also important that you call your insurance agent as soon as you can after the accident. You should also take as many pictures as possible to document the accident.

Get the Treatment You Need

Get the medical treatment you need as soon as possible after the accident. You may feel fine immediately after the crash, but over the next few days, your injuries may gradually start to appear. Going to the emergency room right after an accident will ensure such injuries are detected in time.

Document Everything

Make sure to document everything. If possible, take photographs of the damages/ injuries sustained and record all your medical concerns. Collect estimates for the damages to your vehicle, including if you had to hire a rental while your vehicle was being repaired.

File Your Claim

Contact the at-fault driver’s insurer and present them with all of the documentation they will need to process your claim. Keep them updated with any new information or charges that include medical bills or damages to your vehicle.

If you’ve been involved in an accident and have questions about third-party insurance claims, call the agents at Steve Wilk Insurance Agency. We will make sure you have everything you need to file your claim and get the assistance you need in paying your medical bills and vehicle damages.