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What do I do if I get into a not at-fault accident?

"Do I need to inform my insurance if I filed a claim with the other person's? I was in a multi-vehicle accident and the at-fault driver was arrested at the scene. I have medical bills and need to get a rental car as well. What should I do next?"

avatar
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“You’ll want to reach out to your
car insurance
company as soon as possible. Depending on the coverage on your policy, you may also need to file a claim with them.
If you have
medical payment coverage
or personal injury protection on your policy, those will cover your medical expenses. They will also kick in before your health insurance and can help pay for copays or deductibles.
If you have
rental reimbursement coverage
on your policy, this will cover your rental car.
Once your insurance pays out what it can, they will seek reimbursement from the other company or driver. If your policy does not contain these coverages, you’ll need to wait for the other party’s insurance.
Regardless, you’ll still want to inform your insurance as they may be able to provide assistance or help negotiate.”
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