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Even if you’re not at fault, being involved in a car accident can be a traumatic experience. What should you do if you’re not at fault for the accident? Should you file an insurance claim if you’re not at fault? Read more to find out the answer.
What to do after an auto accident that’s not your fault?
Collect information about the accident
Make sure to collect information on the accident scene. You can use it for the insurance claim process. Some of this information includes:
Names and contact details of the passengers in the car of the other driver
The name and contact details of the other driver
Names and contact details of the accident witnesses
The car insurance company and policy information of the other driver
The model, make and color of the car of the other driver
The name, badge number, and contact information of the responding police officer
Call the police
If you got involved in a car accident and you’re not at fault, you can call the police. With an official police report, you can make the other driver accountable for the repair costs and damages.
Calling the police is a good idea. Tell the truth about the incident and allow the officer to decide who is at fault in the official report. The at-fault driver may get a citation. In addition, filing a police report can assist you in handling an insurance claim.
See a doctor
You should seek medical care after the auto accident even though you don’t see injuries or feel pain. You should get tested for internal fractures and injuries. Serious internal injuries such as swelling and bleeding can be life-threatening if not diagnosed and treated promptly. Seek medical attention to avoid disappointments in the end.
Whose insurance company should you call if you’re not at fault?
If you got involved in an accident and it wasn’t your fault, you may not know whose insurance company you should call to seek compensation. Well, the safest way is to call your own car insurance company.
Thus, they know your coverage type for collisions, personal injury, medical expenses, and damages. You can also use it if the other driver doesn’t have insurance. Based on your needs, your insurer can pay for your medical bills and repairs, then work on the at-fault driver’s insurance for compensation collection. In fact, it can help you to reduce stress in the process. Thus, your insurance provider will be the one who will communicate with the insurance company of the other driver.
If you’re not at fault in the car accident, you can file a claim with the driver’s insurance company. It is called a third-party claim, wherein the other insurance company will be accountable for paying your car repairs once their driver is at fault. They will also pay for medical costs.
The other driver’s insurance company will process the claim. However, don’t expect a fast payment. Thus, the insurer may investigate the incident to know if their customer was indeed the one who is at fault.
Hire a car accident attorney and sue the other driver
If you get involved in a car crash, you can also hire a St Louis truck accident lawyer and sue the other driver if you’re not at fault. Make sure to have items like photos of the scene, police reports, and further contact details for witnesses that will help you prove you’re not the one to blame, that way when you talk to the attorney, they have all the information they need.
Types of insurance claims for a car accident
After the car accident, you can file an insurance claim if you’re not at fault. Some insurance coverage includes:
Collision insurance
No-fault insurance
PIP (personal injury protection)
Liability
Conclusion
To sum it up, you can file an insurance claim if you’re not at fault in the car accident. By considering the tips mentioned in this article, you already know what to do if you get involved in an accident.
It is also essential to hire a professional attorney to get the compensation and justice you deserve due to the accident. Involving in a car accident can be stressful, so you should fight for your rights and get fair compensation from the other driver who is at fault.
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