Should I file my claim with my insurance company or with the at-fault company.
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Apr 12, 2012
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
Insurance Question from Burlington, NC
Asked on 04/12/2012
Should I file my claim with my insurance company or with the at-fault company. I have neck and back injuries requiring physical therapy, and could have future problems from the accident.
Answer given on April 13, 2012
In an auto accident involving bodily injury there are two ways you can approach the claim. The other insurance company will investigate and if the driver is determined to be at fault, they will work with you on the injuries and damages you incur. However, most insurance companies will not make a payment until the bodily injury bills are all submitted. They will not make partial payments, so the longer it takes you to recover, the longer it will take to settle the claim.If you have medical payments coverage under your auto insurance, you can file a claim under your policy. Your insurance company will make payments until the coverage runs out. This can help you if you continue to seek treatment and need assistance in paying your medical bills. When the claim settles and the other insurance company pays you for your injuries, you will be expected to reimburse your insurance company for the amount they paid.
IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.