
Why You Should File a Claim with the At-Fault Driver’s Insurance
Getting into a car accident is stressful, especially when you’re not at fault. After the dust settles, one of the most important decisions you’ll make is how to handle the damage to your vehicle. At AEI Insurance Brokerage, we want to explain why it’s crucial to file a claim with the at-fault driver’s insurance company rather than your own. Doing so can save you money and protect your insurance rates.
What Happens When You’re Not at Fault?
If you’re involved in an accident that wasn’t your fault, the other driver’s insurance should cover the cost of repairing your vehicle. This is known as filing a third-party claim. By going through their insurance, you avoid unnecessary out-of-pocket expenses and reduce the chances of your own insurance rates going up.
Why File with the At-Fault Driver’s Insurance?
- Protect Your Insurance Rates: If you file a claim with your own insurance company, even if you’re not at fault, there’s a chance your rates could increase when it’s time to renew your policy. Insurance companies might see you as a higher risk, leading to higher premiums.
- Avoid Paying a Deductible: When you file a claim with your own insurance, you may have to pay a deductible before your insurance covers the rest. If you file with the at-fault driver’s insurance, they should cover the full cost of repairs, so you don’t have to pay anything out of pocket.
- Speed Up the Repair Process: Filing a claim with the at-fault driver’s insurance can sometimes speed up the process of getting your car repaired. Their insurance company is responsible for covering the damage, and they may work faster to resolve the claim.
- Ensure Full Coverage: By filing with the at-fault driver’s insurance, you’re more likely to receive full compensation for the damage. This includes not only the cost of repairs but also any related expenses like rental car costs while your vehicle is being fixed.
What to Do After an Accident
- Exchange Information: After an accident, make sure to exchange insurance information with the other driver. This includes getting their insurance company’s name and policy number.
- Gather Evidence: Take photos of the damage, the accident scene, and any other relevant details. This evidence can help support your claim.
- Contact the At-Fault Driver’s Insurance: Once you have the necessary information, contact the at-fault driver’s insurance company to start the claims process. They will guide you through the next steps.
- Stay Informed: Keep in touch with both the at-fault driver’s insurance company and your own to ensure the claim is handled properly. If you have any questions or concerns, AEI Insurance Brokerage is here to help.
How AEI Insurance Brokerage Can Help
At AEI Insurance Brokerage, we specialize in risk management and helping our clients navigate the complexities of auto insurance. We can assist you in understanding your coverage, filing a claim, and making sure you get the best possible outcome after an accident. Whether you’re in New Jersey or anywhere else in the country, we’re here to provide the support you need.
Filing a claim with the at-fault driver’s insurance company after an accident can help protect your own insurance rates, avoid out-of-pocket costs, and ensure that you’re fully compensated for the damage. If you’re ever in an accident, remember to file with the at-fault driver’s insurance first. And if you need any assistance or have questions about your coverage, don’t hesitate to contact AEI Insurance Brokerage. We’re here to help you get the right coverage at the right price, no matter where you are in the nation.