What happens if someone claims on my car insurance

Following an accident, the other driver s may decide to make a third party claim against your insurance. This means they believe the collision was your fault, not theirs. If you agree that the incident was indeed your fault, your insurer will handle everything moving forwards - there's nothing else for you to do.

Your insurer will then discuss the incident with third party representatives - such as solicitors and insurance employees - collect relevant documents from these parties and ensure the statements of what happened concur. If everything is as it should be, the claim will be paid when your insurer receives the bill.

If the other party s say it was your fault, but you disagree, a "liability dispute" will be raised. A decision will then be made about liability. In some cases there could be a liability split, e. Yes, this is quite possible, since statistically you are deemed more likely to be involved in an incident in the future. Close Privacy Overview This website uses cookies to improve your experience while you navigate through the website. Out of these cookies, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website.

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Your phone should date stamp and record the time the photos were taken. Obtain a copy of the police report as soon as it is filed, and check for accuracy. Here too technology could come to your rescue, as many insurers let you file claims from their mobile apps.

This will help refresh your memory on what coverage you have. This is when having a reputable insurer with a good reputation will pay off. Every car insurance company offers the same basic coverage types. The required ones vary by state and the rest are optional — and some optional coverage types are a wise buy.

Liability is the most basic coverage for all vehicles. Almost every state requires minimal liability coverage, but amounts vary. You can be sued for amounts that exceed your auto insurance. This insurance covers your car damage in the event that you hit an object such as a pole or another car.

Collision insurance is usually packaged with comprehensive coverage, so expect to buy them together. It covers theft, fire, hail, vandalism and other miscellaneous hazards such as hitting a deer or driving through water that is camouflaging an overflowing creek. Each party is paid by their own insurer instead of bringing a lawsuit.

Personal injury protection is the coverage for these claims. Personal injury protection PIP is usually coupled with a no-fault law. But the starting point is buying the right coverage in the first place. He has written multiple cover stories, hard-hitting features and executive profiles for major media outlets, and is the author of The Woman Who Rode the Wind, a novel about early flight. Select Region.

United States. United Kingdom. Ed Leefeldt. Editorial Note: Forbes Advisor may earn a commission on sales made from partner links on this page, but that doesn't affect our editors' opinions or evaluations. Samantha Mendez 30 August Updated 13 October 6 minute read. What happens when someone claims on your car insurance? The Liability Team will then zoom in on Google Maps to take a look at exactly where the accident happened Highway Code Areas of damage on the vehicles CCTV Witness statements Most insurers will no longer ask for a drawn diagram of the accident and prefer to speak to the people involved in the accident to take down a verbal statement.

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