Do you have to talk to another person's car insurance?
Asked by: Ms. Thelma Rolfson | Last update: August 19, 2025Score: 4.8/5 (31 votes)
Am I supposed to talk to the other person's insurance?
At some point after a car accident, you'll probably receive a call from the other driver's insurance company. Here's what to know at the outset: You're typically under no legal obligation to talk to the other driver's car insurance company, and any time you do, it's crucial to watch what you say.
Do I have to respond to another insurance company?
Are You Required to Speak to the Other Driver's Insurance Company. First and foremost the answer to that is, no. 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.
Can I get car insurance without talking to someone?
Most notable auto insurers offer the option to buy online without talking to someone.
Do I have to talk to an insurance investigator?
There is no rule requiring you to talk to a representative from the other party's insurance company. If you have an injury claim, you can and should refuse to speak with an adjuster from the other side until you consult an auto accident lawyer.
Should I Talk to the Other Driver's Insurance Company After an Accident? | Car Accident FAQ (2020)
Do I legally have to talk to a private investigator?
Are you obligated to talk to a private investigator? There is no requirement for you to communicate with a private investigator.
What not to tell a claims 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.”
Who typically has the cheapest car insurance?
Geico, Nationwide and Travelers are among the least expensive for car insurance. Americans are paying a lot for car insurance these days: Average annual rates for a full coverage policy are up to $2,638 per year, while minimum coverage averages $767 per year.
Is it cheaper to get insurance through an agent or online?
Buying insurance online can often result in lower customer costs due to the elimination of commission fees for the insurance agent. However, buying insurance through an agent can offer a more personalized experience and in-depth policy analysis, leading to finding the most cost-effective coverage options.
Is it possible to get car insurance without an agent?
You may not need an insurance agent to purchase insurance but it depends on the insurance company. For example, you can buy insurance directly from both Geico and Progressive. However, other providers only sell insurance through agents.
When someone hits you, do you call their insurance?
If the at-fault driver is uninsured or leaves the scene, your own insurance will pay if you have the right coverage. Always call your own insurance company, even if you think the other driver is at fault.
What happens if you don t respond to insurance after an accident?
Because California's insurance coverage is based on a “fault” system, the individual responsible for the accident can be sued for property damage, medical bills and other related expenses.
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.
Should I go through my insurance or the person who hit me?
If your vehicle received minor damage, it might be worth filing a collision claim with your insurance if the damage costs more than your deductible. If the other driver caused the accident, then you could file a claim with their insurance company instead.
Do I call my insurance if I'm 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.
Why is an insurance investigator calling me?
Clarification: The investigator may simply need more information or clarification about specific aspects of your claim. This can be part of the normal process of claim verification.
Can you get car insurance online without talking to someone?
Yes. You can get car insurance online without talking directly to an agent. Many reputable insurance companies offer online quote tools, including GEICO and Progressive. Or, you can choose to use an insurance calculator or online quote-comparison tool.
Does it cost money to talk to an insurance agent?
Insurance agents are paid by insurance companies. You only pay for the insurance policy, or policies, you want. There are typically no agent or agency fees.
How does your credit score affect your vehicle insurance in most states?
A higher credit score decreases your car insurance rate with almost every insurance company and in most states. Getting a quote, however, does not affect your credit.
Who is cheaper, Geico or Progressive?
GEICO is cheaper and has better ratings than Progressive. Your experience with GEICO and Progressive will vary based on individual rating factors.
At what age is car insurance cheapest?
Experienced drivers are less likely to have accident claims, which means they cost less to insure. At Progressive, the average premium per driver tends to decrease significantly from 19-34 and then stabilize or decrease slightly from 34-75. At age 75, the average premium begins trending upward.
Who is the #1 insurance company in the USA?
State Farm is the largest auto insurance company in the U.S. based on written premium, or the total amount it bills customers. Progressive is the second-largest car insurance company, followed by Geico and Allstate.
What happens if you don't agree with insurance adjuster?
File a Complaint: If necessary, file a complaint with the insurance company or regulatory authorities. Don't Settle for Less: Refrain from accepting a low settlement offer without proper evaluation. Be Prepared for Legal Action: If negotiations fail, be ready to file a lawsuit to protect your interests.
What not to say when filing an auto claim?
Admitting Fault, Even Partial Fault.
Even if you think you may be partly at fault for the accident, do not discuss this with an adjuster. Avoid any language that could be construed as apologetic or blameful. Admitting any level of fault can eliminate or reduce the compensation that may be available.
What should you not say to a loss adjuster?
Understand that everything you say whether in person or over the phone, can be used against you in their final assessment. Avoid providing incomplete or potentially detrimental information that could be used to lower the settlement offer, like failing to mention pre-existing damage.