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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.


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.