Do I Call My Insurance If Someone Hits Me

No matter who is at fault for the accident, you must call the insurance company and report any accident you have been involved in, even if the accident involves damages or injuries.

Most people spread one common myth: you do not have to contact your insurance company if the accident wasn’t your fault. This is false because there is certain coverage on your insurance policy you would consider making use of.

If you want to use the insurance coverage on your insurance policy, you would definitely need to notify your insurance company of an accident that you have been involved in. So come with us to show you the common insurance coverage you would need to use when you notify your insurance company if someone hits you.

Do I Call My Insurance If Someone Hits Me

Collision Insurance Coverage

The first coverage that we would like to talk about is collision insurance coverage. This comes into play when the driver’s insurance company at fault isn’t fast in accepting responsibility for the accident.

You can easily use the collision insurance coverage policy to repair your vehicle or even get it replaced. The next thing is for your insurance company to get reimbursement from the fault driver’s insurance company. Still, you must notify your insurer of any accident promptly to make use of this insurance coverage.

If you fail to notify them, then you might end up paying for these repairs or even replacing your vehicle out of your own pocket. In addition, negotiating damage property settlement between you and the at-fault driver’s insurance company could also take months. Finally, while waiting for negotiations to be over, you might have ended up accumulating storage charges for wherever your car is parked.

Towing Insurance Coverage

The next coverage that you might want to use is towing insurance coverage, and this sort of insurance would cover up the cost of towing your vehicle from the scene of the accident. Then your own insurance company would seek to be paid back the towing money from the at-fault driver’s insurance company.

The collision and towing insurance coverage create an option for you to get the money spent back, and the good news is none of this insurance coverage would cause a hike in your interest rates.

Medical Expense Insurance Coverage

This type of insurance coverage could be used to pay up for medical expenses if you sustained injuries due to the accident. This insurance coverage doesn’t really care about who is at fault for the accident or not. In some states, filing a claim for this insurance coverage would not cause your interest rates to increase as well.

Your Insurance Company Fails In Defending You

We want to talk about the last thing: the other driver might claim that you are at fault and move to file a claim against you.

Even if you are not the at-fault driver for the accident, you also wouldn’t want to pay the cost of defending yourself, and based on the insurance policy that you have signed; it is the duty of your insurance company to defend you for free if any claim is brought against you.

If you are ready to enjoy all of the benefits that we have talked about in this article, then one thing that you should never miss out on doing if you find yourself involved in an accident is notifying your insurance company.

This should be done within a good amount of time and should not be delayed because if you do not notify them or delay for too long, your insurance company can also move to deny you coverage.  Another thing is being careful about the things you say when you call to notify your insurance company.

It is okay for you to tell them you have been involved in an accident, and background information regarding the details of the accident and the contact information of other parties involved in the accident should be gathered.