You can file a claim with either your own insurance company or the insurance company of the other driver if they caused the accident.
You may be able to directly file a third-party claim, or your insurance provider may file your claim and collaborate with the other party’s insurer on your behalf, depending on your state and insurer.
In either case, the insurer of the other party will look into your claim and possibly speak with you about the accident.
After that, a representative will ascertain whether their insured driver was to blame and how much they will pay for the damages.
After you’ve documented your case, you’ll trust that the safety net provider will acknowledge or deny it.
An offer of settlement will be made by the insurance company if your claim is accepted. In the event that the proposition isn’t what you expected, you can endeavor to arrange a fair settlement.
Your current premium will not be affected by your claim; however, when you apply for coverage, request a quote, or renew your policy, insurers may take into account your claim history.
They will use a Comprehensive Loss Underwriting Exchange (CLUE) report, which provides a summary of your coverage and previous claims, to accomplish this.
You can also ask for a copy to check for errors for yourself. Your premiums may rise as a result of having claims on your record, possibly because you no longer qualify for a claims-free discount.
