How to file a car insurance claim?

I got rear-ended at a stop sign. The other driver isn't insured. How do I file a claim?

Answer
To file a car insurance claim involving an uninsured driver, you need to submit a claim to your car insurance company.
Most states require that drivers carry uninsured motorist coverage for this exact reason.
If you have uninsured motorist coverage on your policy, submit a claim to your insurance company. You can typically do this by calling or filing a claim online. Once the claim is approved, your insurer would cover the damage to your vehicle.
Without uninsured motorist coverage, you would have to sue the other driver for the cost of damages for unless you have collision coverage. With collision coverage, you would still have to pay your deductible, but your insurance covers the remaining repair costs.
Your car insurance company may then pursue the other driver to pay for damages. If this happens, you may be reimbursed for your deductible.
If your car insurance rate goes up as a result of your claim, shop around for a new car insurance policy. Use the Jerry app to compare quotes from dozens of insurers to get the best rate possible for your coverage needs.
Emily Maracle
Answered on Oct 19, 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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