What to Expect After a Claim is Filed Against Me
Last night, while I was backing out of my parking space at work, I accidentally collided with another car that was reversing out of the drive-thru. I caused a dent in the lower section of their doors. I provided them with my information, but they didn’t give me theirs. Now, I’m curious about what happens next since they plan to file a claim. My mom mentioned that they might exaggerate the situation or misrepresent the details, and I’ve heard that lawyers could get involved. I’ve also been advised not to admit fault, even though it was clearly my mistake. The other driver took pictures of both vehicles, and since this is my first accident, I was a bit shaken and didn’t think to ask for their information. I’ve been told that once the photos and statements are submitted to insurance, my policy will cover the damages, but my rates may increase.
After someone files a claim against you, here’s a general idea of what to expect:
Insurance Notification: The other driver’s insurance company will contact you or your insurance company to initiate the claims process. If you provided your insurance information at the scene, they may reach out to them directly.
Investigation: Both insurance companies will investigate the accident. This may include reviewing the statements from both drivers, the pictures taken, police reports if available, and any other evidence.
Determining Fault: The insurance companies will assess who was at fault based on the evidence. Since you admitted to it being your fault, this could influence the outcome, but the insurance companies will still consider all evidence before making a decision.
Claim Resolution: If the other driver’s claim is accepted, your insurance will likely cover the damages, provided you have the necessary coverage. This could mean that they will pay for the repairs to the other driver’s vehicle.
Impact on Premiums: It’s true that filing a claim can lead to an increase in your insurance premiums. The extent of the increase often depends on your insurance policy and driving history.
Potential for Legal Action: If the other driver feels unhappy with the settlement from their insurance or believes that they deserve more, they could consider legal action. However, this isn’t common for minor accidents unless there are significant damages or injuries involved.
It’s always a good idea to contact your insurance company as soon as possible to report the incident and get their guidance. They can also help you navigate the claims process and advise you on how to handle any potential legal issues. If you’re feeling uncertain, consulting with a legal professional may also be beneficial.