My Parked Car Was Hit – Should I Notify My Insurance?
Hi everyone, I have a question about something I’ve never experienced before. Earlier today, someone accidentally backed into my parked car, causing some damage. Fortunately, the driver admitted fault, and we were able to call his insurance company. We answered all their questions and received a case number, along with a note that we’d likely be contacted by an insurance adjuster tomorrow morning. I have all the necessary details, including the driver’s contact information and license plate.
I’m wondering if I should also inform my own insurance company about the incident and share the case number. It seems like the other driver’s insurance will take care of everything, but I’m not entirely sure how this works. I just want to ensure I’m covering all my bases. Any advice would be greatly appreciated!
It’s great to hear that the situation was handled amicably and that the other driver admitted fault. In most cases, if the other driver’s insurance is taking responsibility and you’ve already provided them with the necessary information, you may not need to file a claim with your own insurance. However, it’s generally a good idea to notify your insurance company about the incident, even if you’re not planning on filing a claim. Here are a few reasons why:
Documentation: Informing your insurance allows them to document the event. This can be beneficial if any issues arise later.
Claim Process: Sometimes, having your insurance in the loop can help facilitate the claims process with the other driver’s insurer.
Coverage: If for some reason the other insurance company is slow to respond or if their coverage falls short, you’ll want your own insurance to be aware of the situation for any potential assistance.
Advice: Your insurance company can provide advice on how to handle the process going forward, which can be helpful if you haven’t been through this before.
Make sure to have all the details handy when you call them, such as the case number, the other driver’s information, and any other relevant documentation. Good luck, and I hope the repairs go smoothly!