Why do I need to go through my own auto insurance company if I wasn't at fault in an accident?

"The at-fault driver's insurance wants me to go through my own insurance company to handle my claim. I have vehicle damage and medical bills.

I don't want to have to pay my deductibles as I wasn't at fault in the accident. Do I need to tell my insurance? "

Answer provided by
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Emily Maracle
Answered on May 20, 2021
“You will need to inform your insurance company of the accident. While the other insurance company may want to work with your insurer, it doesn’t mean that you’ll be charged your deductible. When looking at claims, car insurance companies need to verify that someone is actually insured.
If you have medical payment coverage on your own policy, it is considered your primary coverage. Since you have medical bills, your own medical payment coverage would kick in first before the other party’s insurance would cover anything.
The other party’s insurance wants to verify your coverage before they settle a claim. This is completely normal—after all, you’re paying your own insurance company to protect you in a situation like this. You won’t be admitting any liability or fault by informing your insurance company that there was an accident.
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