Gather Essential Information
Before contacting any insurer, collect the other driver's insurance details (company name, policy number, and agent contact), the accident report number, and all relevant documentation such as photos, police reports, and medical records.
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Notify the At‑Fault Driver's Insurer
Call the at‑fault driver's insurance company promptly. Identify yourself as the claimant, provide the policy number if you have it, and describe the incident concisely. Ask for a claim number and the name of a claims adjuster who will handle your case.
Submit Required Documentation
Follow the insurer's instructions for submitting proof of loss. Typically you'll need:
- Signed police report or accident report
- Photographs of vehicle damage and scene
- Medical bills and treatment records (if injuries occurred)
- Repair estimates from certified shops
- Proof of ownership and registration for your vehicle
Send these items via the method the adjuster recommends—often an online portal, email, or fax.
Cooperate with the Adjuster
The adjuster may schedule an inspection of your vehicle or request additional evidence. Respond quickly to avoid delays. Keep records of all communications, noting dates, times, and the names of representatives you speak with.
Understand Coverage Limits and Deductibles
Review the at‑fault driver's policy to see what damages are covered. Liability limits dictate the maximum payout, and any deductible the at‑fault driver's policy includes may affect the amount you receive. If the claim exceeds limits, you might need to pursue your own uninsured/underinsured motorist coverage.
Negotiation and Settlement
Once the adjuster evaluates your claim, they will propose a settlement. Compare the offer to your documented costs. If the amount is insufficient, provide a detailed rebuttal with supporting receipts and request a higher payout. You can also involve a third‑party mediator or attorney if negotiations stall.
Finalizing the Claim
When an agreement is reached, sign the settlement agreement and receive payment, usually via check or direct deposit. Keep the settlement documentation for future reference, especially if any tax or legal issues arise.