Anamarie Waite, Car Insurance Writer
To file an auto insurance claim against someone else, the driver needs to gather the other driver's information, take pictures of the scene, report the accident to the police, contact their insurance, and then wait for other driver's insurance to pay.
How To File An Auto Insurance Claim Against Someone Else
1. Collect important information from the other driver at the scene
Be sure to get their name, address, insurance policy details, and driver’s license and plate numbers.
2. Take pictures at the scene
Document the damage to each vehicle and the entire accident with both cars as they sit immediately after, if possible.
3. Call the police and gather contact information and statements from witnesses
Depending on state laws, you may be required to file a police report. The police will determine who is at-fault and issue citations as needed.
4. Contact your insurance company as soon as reasonably possible
Notifying your insurer about a possible claim is required under the terms of your policy. They will follow up and represent you with the other driver’s insurance company after you provide the information you collected at the scene. The insurance companies will determine fault, taking into account police reports, statements, and physical evidence.
5. Wait for the other driver’s insurance company to determine fault
If the other driver’s insurance company determines their policyholder is at-fault, the insurer will settle your claim. If they deny your claim, you can file with your own insurer as long as you have collision coverage.
You do not have to contact the other driver’s insurance company to resolve your claim. It is the other driver’s responsibility to notify their own insurer about a possible claim, and your insurance company will contact them on your behalf anyway. Most insurers try to resolve claims within 30 days, but it could take less or more time than that.
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