A typical basic auto insurance policy covers both bodily injury and property damage liability.
Get estimates from multiple insurers to secure one; To get a quote, you will typically need to provide information about your family, car, and drivers.
You might also need to have your credit checked.
The process of filing a claim with third-party auto insurance varies slightly based on whether you caused or were the victim of an accident. In either case, exchange contact and insurance information with the other person at the scene of the accident, contact your auto insurer, and, if at all possible, file an accident report to record as much information as possible about the incident.
Here, photos will be useful.
In most cases, the victim files a claim with the insurer of the driver who was at fault to use that driver’s third-party auto insurance to cover losses.
This means that the other party should file a third-party claim with your insurer if the accident was caused by you.
Your protection bill might go up by a specific rate thus.
You will need to make a claim with the other party’s insurance company if you are the one making the third-party claim because someone else is to blame.
Their claims representative will request information from you, such as the name and policy number of the driver who caused the accident, a copy of the accident report, evidence of the damage (such as photos), and details about any bills related to the accident.
The insurer will typically pay your claim if the insured is found to be to blame.
