What to Expect After Someone Files a Claim Against Me
Last night, while I was backing out of my work’s parking space, a car unexpectedly reversed out of the drive-thru and I accidentally bumped into them, causing some damage to their doors at the bottom. I provided my contact information, but they didn’t reciprocate. Now I’m wondering what happens next since I’ve heard they might file a claim.
My mom mentioned that they could potentially exaggerate the situation and say I caused more damage than I actually did, and I’ve read that attorneys might get involved in these cases. I was advised not to admit fault, even though it feels clear that I am responsible. The other driver took photos of both our vehicles, so I worry about how this will all unfold.
This was my first accident, and I was really shaken up, so I didn’t think to ask for their information. I’ve been told that once their statement and photos are submitted to insurance, my insurance will likely handle the claim and my rates may increase as a result. Any insight on what I should do next?
After someone files a claim against you, several steps typically follow:
Claim Report: The insurance company will investigate the claim based on the information provided, which includes the statements from both drivers, any photos taken, and other evidence.
Insurance Adjuster Review: An insurance adjuster will assess the damages reported and determine the extent of liability. They’ll look at the details of the incident, including the severity of the damages and any relevant traffic laws.
Liability Determination: Based on the evidence, the adjuster will decide whether you are at fault and to what extent. Since you admitted fault in the situation, this could influence their decision.
Damage Estimates: If the claim is accepted, the insurer will determine the costs involved in repairing the other person’s vehicle, as well as any medical expenses if there are injuries reported.
Potential Legal Involvement: If the other driver feels they need to escalate the situation, they may involve an attorney. This can happen, especially if there are disputes over fault or significant damages/injuries. It’s important to communicate with your own insurance about any attorney involvement.
Insurance Premiums: If your insurance covers the claim, it’s common for your premiums to increase, especially following an at-fault accident.
Communication with Your Insurance: Keep your insurance company updated about the situation and any correspondence from the other driver or their insurance. They can guide you on the best steps to take moving forward.
Overall, it’s essential to cooperate with your insurance company and avoid making any additional statements that could complicate the situation. If you’re feeling uncertain or worried about potential legal issues, you might want to consult with a legal professional familiar with auto accident laws in your area.