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?

Answer
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.
Carlos Kirby
Answered on Nov 04, 2021
Carlos has a BA in Media Production and Marketing from Loyola University of Chicago, as well as almost 5 years of content editing and writing experience. He has operated his own freelance creative studio over the past 5 years and aspires to be a Creative Director for an Creative Agency. He is currently located in Chicago, IL and enjoys creating digital art and taking bike rides along the lakefront during his free time!
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