can i handle my own claim against the other drivers ins co. since it was not my fault, and they received the citation?
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UPDATED: Dec 3, 2012
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Insurance Question from Oklahoma City, OK
Asked on 12/03/2012
can i handle my own claim against the other drivers ins co. since it was not my fault, and they received the citation? do i have to report the accident to my ins company? i was not at fault/cited. other driver was. can i contact their ins company on my own? i was told my premiums will raise if i report an accident even without fault.
Answer given on December 06, 2012
If you are involved in an auto accident and the other driver was at fault, you can work directly with their insurance company for repairs to your car. Contact them and see if they accept liability. It is possible that their driver has reported the claim, but they could say they were not at fault. If the other insurance company denies coverage, then your other option is to contact your insurance company. They will then pay for your damages, less the deductible. They will then try to get reimbursement from the other insurance company. If they are successful, then you will get your deductible back. If it is determined the accident is not your fault, then your rates will not be affected. However, if the other insurance company denies responsibility the companies will have to work together. If it is dertmined to be your fault, then your rates will go up.
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