How does the claims process differ in “not at fault” accidents from at-fault accidents?

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If you’re not at fault in an accident, you’ll typically file a claim with the at-fault driver’s insurance company. The at-fault driver’s insurance should cover your damages, and you can seek reimbursement for medical expenses and repairs.

Not at-fault accidents

If you’re not at fault in an accident, you’ll need to contact your own insurance company and provide them with details about the accident. They’ll assess the situation and guide you through the next steps.

Your insurance company will work on your behalf to deal with the at-fault driver’s insurance company. They’ll gather evidence, like police reports and witness statements, to prove the other driver’s responsibility. The other driver’s insurance will cover your repair costs, and you might not see an increase in your premiums.

The claims process for not-at-fault accidents tends to be quicker. Once liability is established, repairs can begin, and you can get back on the road faster. Your insurance rates usually won’t rise, as you weren’t responsible for the accident.

At-fault accidents

In at-fault accidents, you’ll still need to notify your insurance company. They’ll guide you through the process of filing a claim and ask for details about the accident.

Your insurance company will work with the other party’s insurer to settle the claim. Since you’re at fault, your insurance will cover your own repairs, but you might also need to pay for the other driver’s damages.

The claims process for at-fault accidents can take longer, especially if there are liability disputes. Your insurance rates might increase when the policy renews, reflecting the added risk due to your involvement in the accident.

Remember, the specific process can vary based on your insurance policy and state laws, so it’s always a good idea to contact your insurance provider for details.

Final thoughts

The drivers involved in a car accident may discuss fault at the scene, but insurance adjusters ultimately determine fault after an accident. If you are not at fault in an accident, the other driver’s insurance should cover the damage to your car and your medical bills up to their policy limits.