You are required to submit a claim to the insurance company of the other driver in the event of an accident.
However, if you live in a state with a comparative negligence law, your insurance provider may also be required to assist with the claim.
When an accident results in injuries, those who have them usually have to file first.
A medical-payments claim may not be settled by the insurer until you or your passengers have received all necessary treatment.
Your claims for bodily injury and property damage will be looked into by the insurer of the other driver and, if found to be valid, settled out of court.
You can’t file another claim for the accident after you cash the settlement check or sign a release for damages agreement, so it’s important to carefully consider the amount.
While it might be in your best interest to settle a property damage claim as soon as possible, you should not accept a settlement for bodily injury until you have finished receiving treatment.
