Question
Do I need to inform my insurance or can I just call at-fault party's insurance?
My father in law backed into my car, the left front fender is dented in. His dodge truck backed into the left front fender under the headlight, denting the fender and possibly some internal damages to the metal. I did not see the accident myself I was otherwise occupied.
Answer
Most insurance companies require you to inform them anytime there is an accident. Typically when someone backs into you, their insurance will pay for the damages. Check out our guide to filing claims for some additional information regarding the claims process. Good luck and if you have any questions don't hesitate to ask.