How Do You File An Insurance Claim Against Another Company?
If you’ve been in an accident and it was the other driver’s fault, the easiest way to handle the problem is by turning it into your insurance company and letting them handle the contact. However, there are reasons not to do this. Every time you file a claim, whether you’re at fault or not, the insurance company counts it against you. Also, if you’ve had any tickets since your last renewal, an accident is a trigger for the insurance company to pull up your BMV records. They might not otherwise do this at renewal. Your premium will then increase, not from the accident but because of the ticket. Call the police immediately after the accident occurs. You’ll want them to write a police report as proof of cause. Take photos of anything that may help prove the crash was the other driver’s fault. Even if he admits fault, stories often change over time. Take names, addresses and phone numbers of any witnesses. Even though you might not have a problem, pretend you will and document everything. A
