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How do I file a claim off someone else's car insurance?
My cousin got his back end swiped by a Honda last week and needs help filing a claim. How do you make a claim off the other party's insurance?
Carlos Kirby · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Sorry to hear about your cousin’s accident. Thankfully, filing a claim with another person’s insurance company isn’t difficult.
He’ll first want to report the accident to his own insurer, even though the other party’s insurer will likely be making a payout. Your insurer will represent you and contact the other party’s provider to begin an investigation.
The insurance companies will use evidence from the scene to determine which driver is at-fault. Be sure to supply:
- The responsible party’s name, address, and insurance policy details (he should have asked for this information at the scene)
- Pictures of both cars showing the extent of damage
If you didn’t contact law enforcement at the scene of the accident, you will want to call the police to get an official police report and eyewitness statements.
If the Honda is determined to be at-fault, their insurer will settle your claim. If they deny your claim, you can file a claim with your insurer, as long as you have
collision coverage
on your policy.Most insurers try to resolve claims within 30 days. If during this process you decide you’d like to switch insurance companies,
Jerry
can help you compare dozens of competitive quotes in a matter of minutes. Swapping is just as effortless.View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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