You may be the safest and most careful driver in the world, but you are still not immune from involvement in car accidents. You may be a stickler for following traffic rules, but at some point another less careful driver may run a red light and hit your car. What then? Theoretically speaking, it is the job of your auto insurance company to deal with the at-fault driver’s insurance company. But you still have a part to play.
Dealing with another driver’s insurer can become tricky, so it’s important to gather as much information about the accident as soon as possible and relay this information to your own insurer and the other party’s. Common sense dictates that the at-fault party should be responsible for informing his or her auto insurance company of the accident, but anecdotal evidence shows that this doesn’t happen very often. So, to be on the safe side, acquire the other party’s insurance information and notify the provider of the pertinent details.
Evidence is crucial. It is entirely possible that the at-fault driver will insist that he did not nothing wrong and is therefore not liable. And his insurance company, to be spared from making payment, might just side with him. Provide the other driver’s insurance provider with a copy of the police report (you should make sure to have the police document the accident, even if it is only a minor one). In fact, it would also be ideal to have other pieces of evidence on hand. Get the contact information of any eyewitnesses and take pictures if you have a camera with you (most mobile phones now have built-in cameras. Put them to good use). If you are not able to do so, ask your companion or someone else at the scene to do these tasks for you.
Finally, it is a good idea to write a letter when dealing with another driver’s insurance company. It can be as simple as listing down your rights (e.g., the right to compensation for your car’s repairs and injuries sustained) and their responsibilities (e.g., their task to assess damages fairly and in a timely manner). Doing this can help minimize the hassles of coping with the accident’s aftermath and get you back to life as normal as soon as possible.