Car accidents can be stressful and overwhelming, especially if you have to deal with insurance companies. If both drivers involved in the accident have the same insurance company, you may wonder how the claim process will work. In this article, we will discuss everything you need to know about car accidents where both parties have the same insurance.
What Happens When Both Drivers Have the Same Insurance?
If both drivers have the same insurance company, the claim process is relatively straightforward. The insurance company will assign an adjuster to investigate the accident, and they will determine who was at fault. Once fault is determined, the insurance company will pay out damages according to the policy coverage limits.
How is Fault Determined?
When both drivers have the same insurance company, the adjuster will investigate the accident by gathering information from both drivers, witnesses, and any available evidence, such as police reports or traffic cameras. The adjuster will then determine who was at fault based on the information gathered.
If both drivers were at fault, the insurance company will split the damages according to the policy coverage limits. If one driver was at fault, that driver’s insurance company will pay out damages up to their policy coverage limits.
What Damages are Covered?
The damages covered by insurance companies vary depending on the policy coverage limits. Generally, damages covered include property damage, medical expenses, lost wages, and pain and suffering. It’s essential to review your policy coverage limits to understand what damages are covered.
Should You File a Claim?
Even if both drivers have the same insurance company, it’s essential to file a claim if you were involved in a car accident. Filing a claim ensures that you receive compensation for any damages or injuries sustained in the accident. Failure to file a claim could result in losing out on compensation that you may be entitled to.
What Happens if You Disagree with the Insurance Company’s Decision?
If you disagree with the insurance company’s decision regarding fault or damages, you have the option to appeal the decision. You can provide additional evidence or information to support your claim and request a reconsideration. If you are still unsatisfied with the decision, you can seek legal representation and take the matter to court.
Conclusion
Car accidents where both drivers have the same insurance company are not uncommon, and the claim process is relatively straightforward. The insurance company will assign an adjuster to investigate the accident, determine fault, and pay out damages according to the policy coverage limits. If you were involved in a car accident, it’s essential to file a claim, even if both drivers have the same insurance company, to ensure that you receive compensation for any damages or injuries sustained in the accident.
