What is the process after getting in a car accident that was the other driver's fault?

onemoreordinaryday

If he admitted fault, his insurane ought to cover the whole thing. Contact the agency and someone will come out to give you an estimate, then you take it and get it done! You don't have to go through your own insurance company if it was documented as the other driver's fault, usually.

waney

you need the accident report from the police and the name of his insurance company. Send your claim to them. Don't sign anything saying you will settle until you are 100% satisfied with your repairs.

Sheryl

Hopefully the police came and filed a report so the facts are documented. If not, you could be facing a "he said, she said" situation. Many drivers will change their minds later about whose fault it was, especially if they think their insurance is going to go up. You can call up his insurance and tell them you had an accident with one of their customers and you want them to pay for your damages. Depending on what state you live in, they may ask for an estimate, or they may send out an adjuster to determine the value of the damages. They will probably want a statement from their customer, and/or a police report. If the other guy admits fault, or you have a police report that clearly shows he's at fault, then you should be ok. If not, then you might have to go through your own. Even if you go through your own insurance, and it's determined to be not your fault, your insurance company will "subrogate" which means they will go after the other guy's insurance and get their money back (and you will get your deductible back too).

malibu29130

u shouldn't have to pay anything. once u have the adjustor look at it u should be able to have it fixed but the other driver's insurance should handle everything. you should not pay a deductable. if you have any problems with the other insurance people talk with your agent.

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I was in a minor accident in a supermarket parking lot. I thought that all you need to do is exchange information with the other driver--but the other driver called the cops! AND, it was his fault. Can't figure some people out.

If he did admit fault, I think his insurance company should pay in full--I just hope that someone besides you heard him admit it.

PuterPrsn

You should have gotten his insurance information at the time of the accident. Contact his insurance company if they haven't contacted you already and let them know where you'd like to take your car to get it fixed. You shouldn't have any trouble. If you do, contact your own insurance company and give them the information - they should fix your car and charge the other company and NOT charge you a deductible since the other company will be covering all the costs. Don't forget to ask about a rental car while yours is in the shop.

oklatom

He gave you his insurance information right? And you called and have the police report stating he admitted fault, right? Take it, along with an estimate for repairs, to his insurance company, tell the agent there his policy number, and ask them to compensate you for your losses.

orgrmichael

Contact his insurance company. When you are in the roadway and someone is pulling out of a parking lot and causes an accident, it is their fault. Don't use your ins. company unless it is a last resort. Call and tell your company that you want to put the claim on hold and cancel it when the claim is paid by the other insurance company. Also give your company all the insurance info on the other driver in case you have to use your company so they can subrogate with the other company and get their money back. Also their ins. co. will be liable to put you in a rental car similar to what you are driving now for the period that your car is down for the repair.

dana g

Well unfortunately I know from experience. Was the police called? Were any tickets involved and was there a bodily injury on your part?
If there was a ticket on his behalf then you go for there insurance. If there was bodily injury contact a lawyer and let them handle it. I am doing through that now.

C B

Contact his insurance company directly. Before you actually file the claim with them find out his coverage limits. If they are not enough to cover all the repairs just file with your company, you don't want to have to go after him to collect the difference yourself.

If his coverage is adequate just file a claim with one of their reps. Also, you can take it to whatever shop you are comfortable with...if they try to force you to take it somewhere you don't want to use refuse. Take it to your place and tell them to send out an adjuster to take a look.

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