How do I file a claim against someone else’s car insurance?

I got into an accident, it was the other person's fault. How do I file a claim against their insurance?

Answer
I’m sorry to hear about your accident!
There are a few things you need to do first when you are a part of an accident. You need the following from the other driver:
  • Their name
  • Their address
  • Their driver’s license number
  • Their insurance policy
  • Their plate number
  • Photos of the damage to the cars/property
Next, you should call the police. You will probably have to file a police report, and you will need a copy of this for your insurance.
Then, you should get a quote from a mechanic for the damages to your car. Your insurance agency will also want this information. You should also go to a doctor or see a physician as soon as possible to check for injuries you might not have noticed because of the adrenaline from the accident.
Contact your insurance company. They’re going to want to know all the information you collected as soon as possible. They, like the police, will try to determine who was at fault.
You then wait for the other insurance company to determine whether they also think their policyholder was at fault. You shouldn’t have to contact their insurance agency, it’s the other party’s duty to do so. Your company will also contact them for you.
Getting into an accident is very scary. It helps if you have roadside assistance at a great price, try Jerry. Jerry partners with Urgently to provide you with industry-leading roadside assistance, including benefits like towing, lockout service, and a mechanics hotline.
Lauren Smith
Answered on Nov 02, 2021
Lauren has written for World Nomads, the Matador Network, Korvia Consulting, and once upon a time Three Fates Games. She graduated from Columbia College of Chicago with a BFA in Creative Writing. After graduating, she moved overseas and lived in South Korea where she spent her free time traveling and going on road trips with friends. She misses the rest stop potatoes and is trying to figure out how to recreate them at home. She's now based outside of Chicago and when she's not writing she spends her free time reading, playing video games, and exploring whenever she can.
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