The unthinkable has happened, and now you have to deal with the hassle and headache that goes alongside it. After the initial accident you realize that you have to call your insurance agent. Or wait should you call the other driver's insurance? Here's a guide on who to call in different situations.
You are not at fault.
In this situation you should call the other driver's insurance company. You would want to to this so that you would not have to pay your deductible on the claim. A deductible is the money that you pay whenever you file a claim, most deductibles are either $500 or $1000.
You are at fault.
In this instance you should call your own insurance company because your insurance will be covering both your car and the other driver involved. This is why it's important to have an auto policy with with at least (Charlotte enter amount please) in liability coverage. Which is the amount that your insurance will pay to the other driver when you are liable. Anything not covered by liability coverage has to paid out of your own pocket.
Not sure who is at fault/Multiple cars involved
For these situations you should file a claim with your own insurance company until both insurance companies figure out who is at fault. If you are not found to be at fault your deductible will be returned.
An accident can leave even the most seasoned driver frazzled, but following these steps may help protect you from unnecessary worries. That way, you can work with your insurance company to get your vehicle repaired as smoothly and as quickly as possible.
AZ Insurance Team
*All policies are a little different and this may not be applicable to your insurance policy, talk to your agent to see what your policy covers.