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What happens if two people on the same insurance hit each other?
If both drivers involved in a car accident have the same insurance company, then the company will assign two different adjusters to two separate claims that will attempt to come to a liability agreement among themselves, and one insurance policy will make payments to another.
Does your insurance go up after a claim that’s not your fault?
Generally, a no-fault accident won’t cause your car insurance rates to rise. This is because the at-fault party’s insurance provider will be responsible for your medical expenses and vehicle repairs. In almost every state, a non-fault claim is filed against the auto insurance policy of the driver who is at fault.
Should you file a claim if I’m not at fault?
You should file a claim with the other driver’s auto insurance company if you are not at fault for the accident and you have standard liability insurance but no collision coverage. Liability insurance pays for injuries and damage that a driver might cause to other people and property if at fault for a car accident.
What if both drivers are at fault?
Comparative negligence law allows both drivers at fault to collect damages for their injuries and losses. In California, pure comparative negligence laws limit the amount of damages an individual may recover based on that person’s percentage of negligence, which led to the accident and resulting injuries in the case.
Will my auto insurance go up if someone hits me?
Naturally, most injured victims that contact our firm want to know about the financial consequences of the collision. A common question that potential clients ask us when they call is whether their car insurance rates will increase as a result of the collision – even if they weren’t at fault. The answer: no.
When someone hits your car whose insurance do you call?
the police
If someone hits your car, you should call your insurance company. But first, you’ll probably want to call the police, especially if the damage is severe, there are any injuries, or the accident was a hit-and-run. Even if you don’t think you are at-fault, you’re required to report potential claims to your insurer.
How do you file an insurance claim if someone hits your car?
Steps to Take at the Scene
- Call the police. An officer will document the incident and create an official accident report, which you will typically need to have when filing your claim with your insurance company, says the Insurance Information Institute (III).
- Document the accident.
- Notify your insurer.