There is never a good time to be part of a motor vehicle accident; however, you could find yourself dealing with this at some point in the future.
Even if it’s a minor fender bender, your situation can go from bad to worse if you run into issues with your insurance company. An example of this would be if your insurance company denies your claim for any reason.
If you find yourself in this position, you may want to learn more about filing a claim with the other driver’s insurer. This is not always easy, but it may be a step you need to take.
Here’s what you need to know: If the other driver was responsible for the crash, you have the legal right to file a claim with his or her insurance company.
For example, most policies (but not all) have property damage liability coverage. This is meant to pay for any damage to property caused by the insured person’s car.
With this in mind, it’s imperative that you exchange insurance information after an accident. There may come a time when you need to contact the other person’s insurance company to start the claims process.
You hope that your insurance company cooperates after a motor vehicle accident, but you never know how things will shake out. By knowing all your legal rights, such as the option to file a claim with the other driver’s insurer, you’re in much better position. In the end, the only thing that matters is that you seek and receive the compensation you are entitled to.
Source: FindLaw, “When Car Insurance Fails: 3 Ways to Collect,” accessed Nov. 16, 2017