Should I always call insurance after an accident?

Asked by: Arnulfo Funk  |  Last update: May 5, 2025
Score: 4.9/5 (14 votes)

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.

Do I call my insurance after an accident or theirs?

Even if you think you may be to blame, you should never admit fault after an accident. And even when the other driver is clearly at fault, it's best to call your insurance company first. Here's why calling your insurer first is usually the best approach.

What happens if you don't contact your insurance after an accident?

There is no California law per se about notifying your insurance company after a collision, but your auto insurance policy is a contract.

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.

Should I call my insurance if it wasn't my fault progressive?

Start the claims process

Regardless of who's at fault, it's a good idea to inform your car insurance company that an accident occurred.

Should I Talk to the Other Driver's Insurance Company After an Accident? | Car Accident FAQ (2020)

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Should I file an insurance claim if I am not at-fault?

Always File a Claim, Regardless of Who Was At-Fault

One of the primary questions we receive from clients who have been in an accident is whether they should report the accident to their own auto insurance carrier, particularly when the accident was not their fault. And the answer to that question is: always.

Will my insurance go up if I get hit by an uninsured driver?

However, under California's proposition 103, insurance companies are not allowed to raise rates or drop a person because they made an uninsured motorist claim.

Does your insurance go up if someone hits you?

If you are involved in an accident and file a claim, even if it was not your fault, your insurance company may see you as a higher risk to insure and increase your rates. Consider speaking with a licensed insurance agent to see how much insurance could increase after an accident where you're not at fault.

How does insurance work if it's not your fault?

You will file a claim with your auto insurance for damage to your vehicle, medical bills, property damage, and, potentially, lost wages due to injury. The car insurer collects money from the at-fault driver's coverage. Your claims might be limited by the other driver's coverage limits and the state where you live.

What to do if someone claims you hit their car?

What to Do If Someone Falsely Claims You Hit Their Car
  1. Evaluate the Situation.
  2. Speak to the Other Party Politely.
  3. Take Photos and Videos.
  4. Gather Witnesses.
  5. Check for Nearby Cameras.
  6. Report the Incident.
  7. Explain Your Side Clearly.
  8. When to Consult an Attorney.

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 let my insurance know if it wasn't my fault?

Yes, it is generally advisable to notify your insurance company even if the accident wasn't your fault. Most insurance policies require policyholders to promptly report any accidents or incidents, regardless of fault.

Should I file an insurance claim for bumper damage?

It may not make sense to file a claim if the bumper damage is minor and the repair cost is lower than your auto insurance deductible. If you have a low deductible, it may be worthwhile to file a claim, even for minor repairs.

Should I call their insurance or mine?

Even in at-fault states, where the other driver's insurer pays, there are several reasons why you should always call your own auto insurance company first, including: Some insurers will help you negotiate a settlement with the other driver's insurance company.

When not to go through car insurance?

You accidentally cause minimal damage to your own car, like backing into a pole or mailbox. No, don't bother contacting your insurer if you don't have collision coverage or if the damage is less than your collision deductible.

What to do if you bump a car but no damage?

* Exchange information: Get the other driver's name, contact information, insurance information, and license plate number. * Document the incident: Take photos of both vehicles, even if there's no visible damage. * Report the incident: If required by law in your area, report the incident to the police.

Do I call my insurance if I'm not at fault?

Fourth, and perhaps the most important reason you should contact your insurance company after an accident, is that the other driver may claim that you are at fault and pursue a claim against you. Even if you know you weren't the cause of the collision, you do not want to have to pay the cost of defending yourself.

Should I talk to the other person's insurance company?

After an accident, it's advised not to speak with the other driver's 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.

When someone hits you, do you call their insurance?

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 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.

Will my insurance go up if someone without insurance hits me?

But, as a California personal injury attorney I can assure you that your insurance company should not raise your rates for making an Uninsured or Underinsured Motorist claim on your policy. In fact, in most cases, doing so may violate long-standing California legal statutes.

How long does an accident affect your insurance?

In the state of California, most vehicle accidents will stay on your record for around 3 years.

When someone hits you does your insurance go up?

Rate increases will go up even more if there are injuries and property damage. If you are not at fault, however, the rate increase is less severe. On average, drivers who are not at fault will only have their rates go up by about 4%.

What is the deductible for being hit by an uninsured driver?

The amount of your UMPD deductible will vary based on your state. It usually falls in between $100-$1,000. Note that some states may have a separate deductible for hit-and-run claims. You may not have the option to choose your deductible amount for UMPD coverage.

Will my insurance go up if someone hits my parked car Progressive?

Will my insurance go up if my parked car is hit by someone? If you file a claim with your own auto insurance company, you may see a rate increase. Filing a claim with the at-fault driver's insurance generally won't raise your rate since you're not the one who caused the damage.