Introduction
Car accidents can be unexpected and stressful, especially when someone hits your car. If you’re involved in a car accident, one of the first things you need to do is call your insurance company. However, if someone else hit your car, you might wonder whose insurance to call. In this article, we’ll explain what to do if someone hits your car and whose insurance you should call.
1. Stay Calm and Check for Injuries
The first thing you need to do is stay calm and check for injuries. If anyone is hurt, call 911 immediately. Even if you don’t feel hurt, it’s a good idea to get checked out by a medical professional.
2. Call the Police
If the accident is serious, you need to call the police. They will come to the scene, assess the situation, and file an accident report. This report will be important for insurance purposes.
3. Exchange Information with the Other Driver
Exchange information with the other driver, including their name, address, phone number, and insurance information. You should also get the contact information of any witnesses.
4. Take Pictures
Take pictures of the accident scene, including any damage to your car and the other driver’s car. These pictures will be useful when filing an insurance claim.
5. Call Your Insurance Company
Call your insurance company as soon as possible after the accident. They will guide you through the claims process and help you get your car repaired.
6. Whose Insurance Do You Call?
If someone else hit your car, you might wonder whose insurance to call. In most cases, you should call the other driver’s insurance company.
7. What if the Other Driver Doesn’t Have Insurance?
If the other driver doesn’t have insurance, you’ll need to file a claim with your own insurance company. This is why it’s important to have uninsured motorist coverage on your policy.
8. What if the Other Driver’s Insurance Won’t Pay?
If the other driver’s insurance won’t pay for the damages, you can file a claim with your own insurance company. They will then pursue the other driver’s insurance company for reimbursement.
9. What if You’re Partially at Fault?
If you’re partially at fault for the accident, you’ll need to file a claim with your own insurance company. Your insurance company will then negotiate with the other driver’s insurance company to determine who is responsible for the damages.
10. Conclusion
Getting into a car accident can be stressful, but knowing what to do if someone hits your car can help make the process smoother. Remember to stay calm, exchange information, take pictures, and call your insurance company as soon as possible.
