Do I need to talk to the other person's insurance company?
Asked by: Jordi Ernser | Last update: June 19, 2025Score: 5/5 (55 votes)
Do I have to talk to the other person's insurance?
Legally, there is no requirement for you to speak with the other driver's insurance company. You do likely have to talk to your own insurance company as they will need your account of what happened.
Is it normal for the other person's insurance calling me?
Yes, an insurance adjuster for the carrier of another driver calling you to assess exposure and take a statement regarding your view of the facts is totally normal and to be expected after a car crash.
Should I talk to the other driver after an accident?
You do not need to have any conversations with the other motorist or their insurer unless your insurance provider instructs you do to so.
Should you contact your insurance company if you are not at fault?
» FAQs » Should I Call My Insurance If a Car Accident Was Not My Fault? Yes, you should call your insurance company if you were in a car accident that was not your fault.
Should I Talk to the Other Driver's Insurance Company After an Accident? | Car Accident FAQ (2020)
When someone hits you, do you call your insurance or theirs?
You should call both, regardless of who you think is at fault. If it turns out the other driver is at fault, their insurance will pay, but it's helpful to have your insurance company involved.
Should I contact the other insurance company?
You are not legally required to speak with the other driver's insurance company or give a recorded statement. They often employ tactics to use your statements against you, potentially minimizing your payout. You should report the accident to your own insurance company.
Is it better to use your insurance or theirs?
After a car accident, you should notify your insurance company and file a claim, and not deal with the other driver's insurer. Except in rare circumstances, it is not wise to contact them. Your insurance company represents you, and the other driver's insurance company represents them.
Should I file an insurance claim if I am at fault?
If you damage someone else's vehicle during a significant collision, and you're at fault, you should always file a claim.
What not to say when talking to an insurance adjuster?
Some key phrases to avoid saying to an insurance adjuster include: “I'm sorry.” “It was all/partly my fault.” “I did not see the other person/driver.”
Should I talk to the other insurance company after an accident on my Reddit car?
You're Not Required to Speak With the Other Driver's Insurance Company. No matter what type of car accident you've been in, you're not legally required to speak with the other insurance company's representative.
What happens if you don't call your insurance after an accident?
Failing to contact your insurance company shortly after being in a car accident can lead to them denying your claim. Waiting to contact your insurance company can also make it more difficult for the insurance company to investigate your case, which could lead to you receiving a lower settlement amount.
Should I call my insurance if it was my fault?
Yes, you will want to call your insurance provider regardless of whose fault you believe it may be. Your insurance provider will be able to walk you through the next steps of filing a claim and finding out what your coverage does and does not cover.
Can I get car insurance without talking to someone?
Most notable auto insurers offer the option to buy online without talking to someone.
What happens when someone hits your car?
Don't leave the scene or move your car. Locate the person who hit your car and exchange information (if possible) Take photos and contact the authorities to file a police report. Contact your insurer and file a claim if necessary.
Why does the insurance adjuster want to meet with me?
After you file a claim, the adjuster will contact you about the accident. They are looking for facts about the case to determine whether you are entitled to a settlement and for what amount.
Do you call the other person's insurance?
If you have the information from the other person involved in the accident, you may call his or her insurance company to file your claim. Some companies may also offer online claim reporting. If you have an insurance agent, he or she may be able to help you through this process or provide you with more information.
Do you give insurance if you're not at fault?
Yes. Regardless of fault, it is important to call your insurance company and report any accident that involves injuries or property damage. It is a common myth that you needn't contact your insurance company if you aren't at fault.
Will my insurance go up if I file a claim and its not my fault?
Some may raise your premiums by 10 percent, while others may charge you only 2 percent more. In addition, certain states, such as California and Oklahoma, don't allow insurance companies to increase rates after a non-fault claim.
What happens if no one is at fault in an accident?
But what will happen if no one is at fault for your car accident? You can always file a no-fault car insurance claim. The insurance provider will compensate the policyholder and its passengers for the cost of minor injuries and loss of income regardless of who caused the accident.
Can my son drive my car if he is not insured?
Most insurers cover someone else driving the policyholder's car with their permission once in a while. But, if you're going to start driving one of your parent's cars regularly, you'll need to be added or named on their auto insurance. You can't legally drive your parents' car without any insurance at all, either.
Whose insurance company do I call after an accident?
But perhaps you're unclear about the process. You might think that calling the other driver's insurance first makes sense since they hit you. Actually, you'll be better off contacting your insurance company first instead of depending on the other driver. Let's find out why.
When someone hits your parked car, do you call their insurance?
You'll want to contact the other driver's insurance company or your own insurance agent as soon as possible. You have a short period of time to report the accident and file an insurance claim, so don't procrastinate even if the damage is minor.
How to file an insurance claim when not at fault?
Contact your insurance company
After a third-party accident, contact the other driver's insurer to report that you were involved in a collision with one of their policyholders. Stick strictly to the facts of the accident. Even if you believe the other driver is at fault, avoid saying so directly.
When should you not call car insurance?
The only time you do not need to call your insurance company is when the accident happens on your own property, involves no other drivers (so no one else may be at fault) and the damage to your vehicle is minimal or at least of an amount you can afford to cover on your own or lose altogether.