Should I Call My Insurance Company If Someone Hit My Car?

Should I call my insurance if it wasn’t my fault?

The safest bet is always to call your own car insurance company after an accident.

They can tell you what kind of coverage you have for personal injury, collisions, damages and medical expenses.

You may also have uninsured motorist coverage you can use if the other driver doesn’t have insurance..

How does car insurance work if I’m not at fault?

Even if you’re not at fault, you can make a claim with your insurance company for payment of damages and injuries — if you have the right coverages. … It will pay for the cost of repairs or total loss of your vehicle. If you take this approach, you will have to pay your collision deductible toward repairs.

Do I have to talk to the other insurance company after a car accident?

Short answer: you don’t. Many experts would advise you against speaking with the other person’s insurance company. While you do need to call your own car insurance company to report the accident, you are under no obligation to talk to the other driver’s insurance carrier.

Should I talk to the other insurance company after an accident?

You should speak to your own insurance provider after an accident, but, depending on the circumstances, you may also need to communicate directly with the other party’s provider too. Getting into a car accident can be a scary experience — even if no one is seriously injured, it can leave you feeling shaken up.

What happens if I don’t report an accident within 24 hours?

Failing to report an auto accident to the police when it’s required by law means you are running the risk of being charged with leaving the scene. Leaving the scene of a collision is a serious conviction that could result in a hefty increase to your car insurance rates, fines, and even jail time.

What happens if I don’t call my insurance after an accident?

If you fail to report an accident or file a claim, you may face legal penalties. These can include the possibility of a fleeing the scene charge. If you simply exchange information and don’t not report the accident, your insurance company may have a legal right to refuse to cover the damages you discover later.

How does insurance work if someone hits your car?

If someone hits your car and you do have collision coverage, then your insurance company can help pay for repairs. Collision coverage will also cover damage to your car if you caused the accident, or if there were no other drivers involved, like if you drove into a telephone pole.

How long do you have to call your insurance company after an accident?

Your insurer likely requires you to report accidents soon after they happen, often within 30 days. And then when it comes to filing claims (which is different from reporting an accident) your provider might not give a time limit, or it might set specific limits for types of coverage.

What should you not say to your insurance company after an accident?

What Not to Say to an Insurance Company After a Car AccidentDon’t make any statements right after an accident. … Don’t admit fault. … Don’t say you are uninjured. … Don’t give an official statement or recorded statement. … Don’t accept a settlement without consulting an attorney. … Stick to the facts. … Medical records.More items…

Do you call your insurance if someone hits you?

If someone hits your car, you should call your insurance company. … 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.

What happens when your car is totaled and it’s not your fault?

If your car is totaled and you still owe on it but the accident was not your fault, contact the at-fault driver’s insurance company with your lender information. … If you don’t have insurance or don’t have enough coverage, you’re on the hook for the balance left on your vehicle even though the car is no longer drivable.

Do I have to call my insurance company after a minor accident?

If your car is insured, you may have to tell your insurance company about the accident even if you decide not to make a claim. It is a condition of most comprehensive and third party property insurance policies that the insured person tells the insurance company about an accident as soon as possible.