Dealing with your car insurance company after a crash can be a time-consuming hassle. Now imagine what it’s like to deal with the insurance company of a person you don’t know who crashed into your car.
Here are some tips to ensure you maintain your cool — and your sanity — when making a claim with someone else’s insurer, known as a third-party claim.
Gather necessary information
The driver who crashes into your car is responsible for reporting the accident to his or her car insurance company. However, make sure you contact their insurer as well. Motorists who cause accidents are often reluctant to report them.
It’s vital to get complete information on the other party at the accident scene. Collect the following:
• Other driver’s name and address
• Other driver’s insurance company name and policy information
• Statements and contact information from witnesses
• Take pictures of the accident scene — most smartphone cameras are suitable.
This way, you’ll have evidence gathered at the scene to bolster your position on the cause of the accident. Check to see if your car insurance company has a mobile app that can help you document the accident while at the scene. Some of the best car insurance companies have apps that come with an accident checklist and tell you how to best gather information so you can make a claim with it or the other party’s insurer.