Whose Insurance Do You Use After An Accident

The unthinkable has happened, and now you have to deal with hassle and headache. We'll help you deal, starting with who to call.

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You just got into an accident, but it is not your fault. So whose insurance do you call? Or, a better way to put it would be, whose insurance should you call? We have the pros and cons of calling your insurance and calling the opposing party’s insurance in the sticky situation of an accident.

The pros of calling your own insurance

First things first:
The at-fault driver may not even contact their own insurance company. And as a rule, you shouldn’t assume they will—it’s always better to be safe than sorry, so take matters into your own hands and contact your own. If you relied on them to call their own insurance company, and they did not follow through, this could lead to even more hassles to deal with and the possibility of you being denied benefits when sorting out your claim.

The at-fault driver may not follow through with contacting their insurer.

In general, you may feel more confident in your insurance provider than the other driver’s. According to Nerdwallet.com the process will probably be quicker because the company will not have to determine who is at-fault before sending you your check. If you have rental reimbursement on your policy, you can also receive a rental car right away.

Last but not least:
Nerdwallet.com also reports that if the at-fault driver does not have liability coverage insurance or if their insurance limits covering your medical expenses, you are probably going to have to end up filing a claim with your own insurance anyway. Now that we have covered the pros, let’s jump right into the cons.

If you have rental reimbursement on your policy, you can receive a rental car right away.

One is the loneliest number:

That’s right ladies and gentleman, we could only find one true con. The con of calling your own insurance after an accident is that you could lose all of your deductible money and there is no guarantee you will get it back. But, let’s face it, there is a lot more to lose if you do not call your own insurance company. Our list of one con alone should be an example of why you should call your insurance company after an accident. Cronkhite Lawfirm reports that drivers not calling their own insurance company after a collision ranks number five in the top ten mistakes people make when involved in an accident.


Get the Post-Accident Facts Straight:

Call your insurance company after you get into an accident. Also, don’t forget to get the facts straight after your accident. We drafted a checklist for you to ensure you get the proper details to your insurance agent.

  • Immediately following your accident, call the police, not your insurance agent.
  • After notifying the police, take your cell phone out and use either a voice memo or take notes to report exactly what happened while it’s fresh in your mind.
  • Take pictures of the accident to document any major or minor damages done to your vehicle and the other driver’s vehicle. This is extremely important because your damage description is going to need to match your photographs when you report it to your insurance agent.
  •  Do not forget to report any injuries during the accident.
  • And lastly, do not forget to report any property damage. If your laptop, iPad, or any other property gets ruined your insurer needs to know about it.

We hope this post-accident guide can help you in the unfortunate event that you do get into an accident. Have any post-accident horror stories about not sharing insurance information or forgetting to call your insurer? Share them in the comments below.