If you believe you’re not at fault for the damage to your vehicle, you have the option to file your claim with the other driver’s insurance company or with your insurance carrier. Here are some things to consider when deciding:
- You will not be required to pay a deductible if you file with the other company. If you file with your insurance carrier, you may be required to pay a deductible and then wait for a possible reimbursement from the other driver’s insurance company.
- The other company will likely provide you with alternative transportation or a rental while your vehicle is being repaired. Your insurance carrier may not provide a rental if you don’t have that type of coverage.
- The other company may not agree that their driver is 100% responsible and may only offer to pay a portion of your damages.
- If you file a claim with the other company, we will not be able to assist you with your claim against that company. However, if you change your mind, you can come back to us, and we will process your claim.