Ask an Agent
Have a question? We're here to help.
Ask an agent for free
Question

If I'm hit my a driver with the same insurance company as mine, do I file the claim under my policy or the other driver's?

My car was rear ended and totaled. The at-fault driver has insurance also with my carrier. If I file on my policy, they say the claim will move more quickly. I am wondering if I will lose anything by doing this?

Sep 25, 2017 Rockledge, FL

Answer
Author profile picture

The Zebra

The nation's leading independent insurance comparison site

The Zebra is an independent insurance advisor and quote comparison site with headquarters in Austin, Texas. Utilizing its real-time quote comparison …

Filing the claim on your policy means you are going to have to pay your collision deductible and could possibly impact your rate. Personally, I would not agree to do that. The majority of rear-end collisions are considered to be the fault of the driver in the back, so it should not take them any longer to complete the claims process regardless of which policy is covering the damage. If I were in your position I would stand firm and require that the other driver cover your damage.

Ask an Agent
Have a question? We're here to help.
Ask an agent for free

Insurance is complicated, but it doesn't have to be.

The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.

Step 1: Tell us a little about yourself

Choose an insurance product and enter your zip code to get started.

Step 2: Sip your coffee while we find the best quotes

Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.

Icon Fill Form

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Icon Agent

Step 4: Let our agents do the hard work for you

Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.

Compare insurance rates today!

Location pin icon
No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

What happens if I stop paying for my SR22?

If you stop paying for the SR-22, the insurance company is then required to notify the state that the policy has been canceled. Typically, the state will suspend your license and you may have additional fines as well. Keep in mind that license suspensions show up on your motor vehicle report which …
Jan 31, 2019 Miami, FL

Can a townhome be covered under an HO-6 insurance policy?

That depends on what parts of the property you are responsible for. If the townhouse shares walls and you are not responsible for the outside of the property but own the townhouse (like a condominium) then you qualify for an HO6. If you own the outside structure, you may need a regular homeowners p…
May 9, 2019 Miramar, FL

Can I use my car insurance to damage to garage door?

Your car insurance would not cover the damage to the garage, only the damage to your vehicle if you have collision coverage. As for your second coverage, I would recommend paying for the damage out of pocket. Making a claim on your homeowner's insurance will increase your rates, most likely mo…
Aug 24, 2018 Orlando, FL

Will my down payment be refunded if I cancel my insurance during the first month?

There is no guarantee of a refund, so you would have to contact your insurance provider to find out if you are eligible for a refund as each company operates a bit differently with policy cancellations in the first month of coverage. The same thing goes for whether or not they will notify your lien…
Dec 31, 2016 Dace City, FL