My fiance was in a car accident where she wasnt at fault. Our car was damaged and she was injured. The other driver gave us his insurance info. How do we collect?
Answer by Ninco
You just phone your insurer and they will either ask you a series of questions over the phone, or post you a form to fill in. When they have all the information, they will send it to the other person's insurer and tell them that they want to maka a claim. The insurers will then argue the liability and if your fiance is found to be not at fault, the other person's insurer will pay out.
While your car is off the road, you may be able to claim for a courtesy car or claim for travel expenses so keep all receipts etc.
EDIT: Just to respond to the other person's answer, you cannot approach the other person's insurer directly as they will not be able to discuss the other person's policy with you due to the Data Protection Act precluding them from doing so. The correct process is to approach your own insurer who will in turn approach the other person's insurer. This will not affect your policy/premium/excess as you are still claiming from the other person's policy, and not your own policy.
Answer by Lisa
If the other party is at fault, you should file the claim with their insurance company, not your own. If you file with your own, you will be out your deductible and have to wait to get that reimbursed when your insurance company is able to collect from the other person's insurance company. If you have any problems with dealing with the other person's insurance or they deny the claim, you can always set up a claim through your own insurance.
Answer by Peedlepup
Call YOUR agent, and let them handle it. That is what you pay them for. DO NOT call the persons agent. You may say something they can used against you.
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Orignal From: What is the process on filing an insurance claim after a car accident?
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