How does insurance work when someone hits your car?
If someone hits your car and you do have collision coverage, then your insurance company can help pay for repairs.
Collision coverage will also cover damage to your car if you caused the accident, or if there were no other drivers involved, like if you drove into a telephone pole..
When you get in an accident whose insurance do you call?
If someone hits your car, you may by wondering if you should contact your insurance company right away to tell them about the accident. Calling your car insurance company is the first thing you should do after you’ve made sure everyone is okay and spoken with the local authorities.
Does your car insurance go up if someone hits you?
Generally, hit-and-run car accidents will not cause your car insurance rates to go up. You can file a claim for car repairs under the collision insurance portion of your policy. For hit-and-run accidents, your insurer may require you to report the accident within 24 hours of discovering the damage.
What should you not say to your insurance company after an accident?
What Not to Say to an Insurance Company After a Car AccidentDon’t make any statements right after an accident. … Don’t admit fault. … Don’t say you are uninjured. … Don’t give an official statement or recorded statement. … Don’t accept a settlement without consulting an attorney. … Stick to the facts. … Medical records.More items…
Should I call my insurance if it wasn’t my fault?
Yes. Regardless of fault, it is important to call your insurance company and report any accident that involved injuries or property damage. A common myth is that you do not need to contact your insurance company if you were not at fault. … In order to use any of these, you are required to notify your insurance company.