Introduction
Car accidents can be a traumatic experience for anyone involved. Even if you are a careful driver, there is always a chance that someone else might hit your car. If you find yourself in this situation, you may wonder whose insurance to call. This article will provide you with all the information you need to know about what to do when someone hits your car and whose insurance to call on Reddit.
Call the Police
The first thing you should do after a car accident is to call the police. Even if the accident seems minor, it is important to have an official report of the incident. The police will take down all the necessary information, including the name, contact information, and insurance details of the other driver. They will also document any damages to both vehicles and take pictures of the scene.
Contact Your Insurance Company
After the police have left the scene, the next step is to contact your insurance company. You should let them know that you were involved in an accident and provide them with all the information you received from the police. Even if the accident was not your fault, you should still contact your insurance company. They will guide you through the process and help you file a claim.
Whose Insurance to Call?
If the accident was not your fault, you should call the other driver’s insurance company. You can find this information on the police report. If you are not sure which insurance company to call, you can try asking the other driver. If they are cooperative, they should provide you with their insurance information.
However, if the other driver does not have insurance or refuses to provide their information, you should contact your own insurance company. If you have collision coverage, your insurance company will cover the damages to your car. They will also try to recover the costs from the other driver’s insurance company or file a lawsuit if necessary.
What to Expect from the Insurance Company?
Once you have contacted the insurance company, an insurance adjuster will be assigned to your case. They will be responsible for assessing the damages to your car and determining the amount of compensation you are entitled to.
The insurance adjuster will ask you to provide them with a copy of the police report, pictures of the damages to your car, and any medical bills or expenses related to the accident. They will also ask you to provide a statement about what happened. It is important to be truthful and accurate when providing your statement.
Conclusion
If someone hits your car, it is important to remain calm and follow the steps outlined in this article. Call the police, contact your insurance company, and call the other driver’s insurance company if the accident was not your fault. Remember to provide accurate information and cooperate with the insurance adjuster assigned to your case. With the right information and proper guidance, you can get through this difficult situation and get your car repaired as soon as possible.
