Car Insurance Should I contact my car insurance company even if I’m not at fault in an accident? By Insure.com's Editor | Updated on May 23, 2023 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. Yes, you should contact your car insurance company even if you’re not at fault in an accident. Reporting the accident to your insurance ensures that you have a record of the incident, which can be helpful for future reference. Your insurance company can guide you through the necessary steps to file a car insurance claim. How does it benefit you? Faster repairs: Your insurance may help expedite the repair process, even if the other driver’s insurance covers the costs. Coverage: Depending on your policy, your insurance might cover certain costs that the other driver’s insurance won’t. Liability protection: Your insurance company can provide legal protection and representation if the other driver decides to file a claim against your insurance later. Remember, contacting your insurance company doesn’t necessarily mean your rates will increase. It’s a precautionary step to make sure you’re well-covered and informed throughout the process. Always exchange information with the other driver and gather evidence at the scene for a smooth claims process. Conclusion Even if you are not at fault in an accident, it is recommended to contact your car insurance company. Your insurer must have experience dealing with accidents and claims. They can advocate on your behalf, communicating with the other party’s insurance company and working towards a resolution. They can also guide how to proceed, mainly if there are any legal requirements. In case you missed it Best Car Insurance Companies of 2023 Car insurance rates by state: The most expensive and cheapest states for car ins... What is Full Coverage Car Insurance? A complete guide to car insurance costs for seniors A complete guide to adding a teenager to your car insurance policy What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? Buying and insuring a used car: Most and least expensive models to insure in 202... The Best Car Insurance for Bad Credit of 2021 The best car insurance companies for speeding tickets Car insurance after a DUI Guide to Car Insurance Discounts Proper insurance coverage for college-bound children How to read (and actually understand!) your auto insurance policy Car Insurance Companies New driver insurance grace period: What you need to know How much do insurance agents make Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 Get instant quotes now ! Please enter valid zip Get Quotes