Can I file a claim against the other driver's insurance without letting my insurer know?

Do I have to let my insurance company know that I was in an accident? My buddy hit my car on the way out of the driveway last night. I need to get my car fixed but I don't want my price to go up.

Answer
No one wants an incident to raise their future insurance rates—and if the accident wasn’t your fault, you shouldn’t expect an increase. You should submit a third party claim directly to your friend’s car insurance company and notify your insurer.
Per your contract, you are required to report any incident that happens with your vehicle, even if it’s not your fault. You could get into a sticky situation if you don’t notify your insurer.
Say you call his insurer and not your own, but then your friend denies hitting your car. Your insurance company may be called upon to investigate you and your claim will be harder to process.
So, the easiest thing to do is call both companies. If for whatever reason your friend withholds his insurance information from you, call your insurer. They will pay and then go to subrogation for a reimbursement.
If you have his insurance information, you can call his provider directly to report the claim. Since it sounds like your car was parked at the time, the liability should be clearly his, and his company will make a claim payment to you from his property damage coverage.
If either of you is looking for a more affordable insurance plan, check out Jerry. The free-to-download Jerry app can help you compare customized quotes from the nation’s top insurers, cancel your old policy, and switch to a new one in a matter of minutes.
Shannon Martin
Answered on Oct 21, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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