According to the National Traffic Safety Highway Administration of the United States Of America, there is a report that claims every year; six million reported car crash cases. About three million people end up either dead or injured.
This actually tells you that there are lots of insurance claims and lawsuits filed every year, and this article is here to tell you how to file an auto insurance claim against someone.
How To File An Auto Insurance Claim Against Someone
You will claim someone’s liability insurance if they crash their car into your car, and in insurance, this is referred to as a third party claim. This means that you are considered the third party to the accused driver and his insurance company.
The other driver’s insurer will process the claim, but you should not expect a quick payment whatsoever. It is okay for the insurer to make some investigations to figure out if the accused is guilty.
Making Use Of Your Own Insurance To Fix The Situation
I bet we would all be feeling like insurance experts if we could all handle insurance claims and if they were simple to handle. It is also natural for the person at fault to pay for the damages if there is an accident, but that shouldn’t be the case all the time as there are times you might need to pay with your own auto insurance.
This is applicable even when someone runs into your car, and we would tell you how that is going to happen. There are states referred to as the no-fault states, and in these states, you are allowed to make insurance claims first using your own insurance at first.
To accomplish this purpose, you will need personal injury protection insurance coverage, and you should be able to sue any driver only when you can meet up the requirements that your state demands. Before you can sue someone in a no-fault state, there have to be dead and serious injuries in some cases, probably.
States which practice no-fault laws, medical payments, and personal injury protection tend to be available, and you can make use of any of them when making injury claims either for you or for your passenger.
You might need to use your own insurance if you are dealing with a driver who has no insurance. Or what if the driver you are dealing with has minimal insurance that would cover the extent of damage done to your vehicle.
It is still very possible to sue them, but if they are low on assets, what’s the point. The only option you would have here is turning in your own insurance coverage only if it would be enough to cover medical bills and if the other driver cannot pay for it.
You can also decide to turn to your own insurance if you are not interested in dealing with the other driver’s insurance company. This is possible if you have collision insurance so you can be able to pay for the damage on your car caused by someone else.
The only negative side to this is your insurance check would likely get reduced based on your collision deductible amount. However, you might still be able to get back the money later, and that is if your insurance company has interests in going after reimbursements from the other driver’s insurer.
Having rental reimbursement coverage also allows you to rent a vehicle while yours gets repaired in the repair shop.
If you have a car loan balance, you will likely turn to your own insurance. You could be compensated for your car if it has been totaled, and this doesn’t matter whether you are making use of collision coverage or filing a claim against another person.
Another approach we would want you to consider is hiring a lawyer and suing the driver at fault so you can get some compensation. This might require you needing help to prove that the other driver is at fault, and you can count on an eye witness report, photos of the accident scene, and a police report to back up your claims.
The advantage of this process is it forces the other driver’s insurance company to send someone to negotiate, so you are likely to settle sooner.
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