Do I need to call an at-fault driver's insurance company?

"I notified my car insurance company about being rear ended at a stop light. They said they tried to contact the other party's insurance, but haven't been able to get ahold of them. Should I call them?"

Answer provided by
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Emily Maracle
Answered on Jul 27, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“The best thing to do is let your car insurance company handle it. It’s why you pay your premiums. They will also be able to resolve the claim with the other party’s insurance faster than if you tried to do it yourself.
The claim process with insurance companies is complicated. Adjusters need to assess damage and review accident details.
Beyond this, insurance coverages need to be considered. If the at-fault driver has state minimum car insurance, it may not be enough to cover the damages of the accident. This may mean your own insurance has to also cover some of the cost.
You can continue to follow up with your insurance company to stay informed on the process. They’ll be able to provide you up-to-date information and whether anything else is required of you.”
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