If someone hits your car, you should call your insurance company. But first, you’ll probably want to call the police, especially if the damage is severe, there are any injuries, or the accident was a hit-and-run. Even if you don’t think you are at-fault, you’re required to report potential claims to your insurer.
There is no need to contact the other driver’s insurance company, even if the accident was their fault. It is the other driver’s responsibility to contact their own insurer, and your provider will reach out to them on your behalf after you report the accident.
Your insurance company will help you resolve the claim with the other driver’s insurer, if possible. And if your claim can’t be resolved through the other driver’s insurance, reporting the accident to your insurance company is necessary to file a claim using your collision coverage or uninsured motorist protection.
If you can, be sure to collect the following details for your insurance company at the accident scene:
- The other driver’s name, address, and contact information.
- The other driver’s insurance company and policy details.
- The other driver’s license and plate numbers.
- Pictures of the accident scene and vehicle damage.
- Statements and contact information from witnesses.
You’ll need this information when you call to file a report with your insurance company.
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