Insurance Claims

📞 Notify Your Insurance

• Contact your insurance company as soon as possible after the accident – ideally within 24 to 48 hours.
• Most policies require prompt reporting, even if you’re not at fault.

🧾 Be Honest and Detailed

• Provide a clear, truthful account of what happened.
• An adjuster will be assigned to your case to investigate.

⚠️ If You Were at Fault

• Your liability coverage pays for the other party’s damages (up to your policy limits).
• You may need to give a recorded statement describing the incident.

✅ If the Other Driver Was at Fault

• Their insurance should pay for your damages.
• You might still use your own:
  • 🚙 Collision coverage (to fix your vehicle, minus deductible)
  • 💊 Medical payments coverage (for injuries)

🔄 Your insurer may then subrogate – recover the money from the other driver’s insurer.

❌ If the Other Driver Has No Insurance

• If you have Uninsured/Underinsured Motorist (UM/UIM) coverage:
  • Your injury damages are covered up to those limits.
• Note: UM does not cover vehicle damage unless:
  • You have UMPD (Uninsured Motorist Property Damage), or
  • You use your collision coverage.

📸 Be Ready with Documentation

You’ll likely need to provide:

• Police report (if available)
• Photos of the damage or scene
• Witness contact info
• Any medical or repair bills

📝 Tip: Stay in touch with your adjuster and keep records of all communication.