How do I win a car insurance claim?

I was backing out of a parking spot and someone hit me. We each think the other is at fault and have both submitted claims to insurance. How do I win the claim?

Answer
I’m sorry to hear about your accident! Accidents that occur when you’re backing out of a parking spot are tricky—it can be difficult to determine who is at fault.
That said, to win a car insurance claim, you need to:
  • Provide evidence: You’ll want to submit as much evidence as possible when making your case. You should provide photos, a detailed explanation of events, and any other documentation involving the accident. A police report is extremely helpful in this instance.
  • Work with the adjuster: Every insurance company hires an adjuster to review accident details and damages, as well as to determine fault. Cooperating with an adjuster gives you a better chance of getting your claim approved.
  • Negotiate: You may need to negotiate or compromise to move forward. Depending on the laws in your state, you might each be assigned a percentage of fault for the accident. If so, the other driver’s insurance would cover a percentage of your damages.
By working with your insurance company (and the other driver’s insurance), your claim is more likely to get approved. In contrast, being difficult, unwilling to provide information, or even unorganized reduces your chances of winning your claim. If you need help or are unsure about the claim process at any point, contact your insurance. They can give you more information.
Accidents and claims can impact your insurance rate, so be sure you shop around once settled. An easy way to comparison shop is with Jerry. Jerry is an app that gathers personalized quotes from the top insurance companies, ensuring you always have the best rate!
Emily Maracle
Answered on Oct 26, 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.
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