This is one of the most common questions drivers have after an accident: If I was not at fault, should I contact my insurance company?
In many cases, when the other driver is responsible and has insurance, the correct step is to request their insurance information. The at-fault driver’s insurance company should handle the damages to your vehicle, medical expenses, and other related losses.
Understanding this is important because filing a claim with your own insurance when you are not at fault may create an unnecessary claim record, which could potentially impact your policy or future premiums.
When the other driver is at fault:
- Request their insurance information
- Collect their personal details
- Take photos of the accident
- Obtain a police report if possible
However, every situation is different. You should contact your insurance if:
- The other driver does not have insurance
- The other driver refuses to cooperate
- There are serious damages or injuries
- You need immediate guidance
The most important thing is to stay calm and make informed decisions. At Calidad Insurance, we are here to guide you and help you determine the best course of action.
Have questions after an accident?
Contact us — we’re here to help.