Can we process a claim with insurance if we did not call the police?

We had to slow down and then ultimately stop because 5 deer crossed the road. A driver hit us from behind about 3 seconds later. The damaged seemed minimal on my car but was more extensive to his. We did not call the police, he admitted fault etc. We agreed that we would get the estimate for both cars and he would like to not put through insurance. Damage was done to my back up sensors..... estimate is $800.00. Which was more than expected. He will now be putting it through insurance. My daughter was driving the vehicle and just got her permit (Wisconsin). Not sure what happens on that end, especially since it was not her fault. In Wisconsin, until she gets her license she does not need to be on insurance and is covered through me. I have not notified my insurance agent at this point. His insurance agent is recommending filling a claim. At what point should I notify my insurance agent? I don't want my rates to go up or my daughter's rates before she is even insured. Also, I can find nothing about the rules of what happens to a person who has their instructor permit and is involved in an accident for Wisconsin. Any information, recommendations of next steps etc. would be great.

Dec 13, 2018 Eau Claire, WI

Ava Lynch

Dec 13, 2018

Since the other driver is at fault for the accident, you will want to file a claim with his insurance company. They would be the ones that will pay for your damages. You should also contact your agent to let them know there was an accident. Most companies require you to notify them even if the claim is filed with the other party. Not-at-fault accidents can impact rates for up to three years but it's not as much as it would be if it were at-fault. When it comes to having your daughter on your policy, you need to speak with your agent. Some companies permit drivers to be left off the policy and some require them to be added. As far as what will happen to your daughter, nothing should happen since the accident was clearly not her fault. Check out our guide to filing claims to learn more about what to expect from the filing process.  Good luck and if you have any questions, don't hesitate to ask.

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