Should I File An Insurance Claim If I Am Not At Fault?

How does car insurance work when you are not at fault?

‘Non-fault’ refers to when your insurer is able to reclaim the cost of the claim from someone else.

If they can’t – regardless of who was to blame – it counts as a fault claim.

Even if you have a non-fault claim, you might see your insurance premium go up at your next renewal..

Should I call my insurance if it wasn’t my fault?

Yes. Regardless of fault, it is important to call your insurance company and report any accident that involved injuries or property damage. A common myth is that you do not need to contact your insurance company if you were not at fault. … In order to use any of these, you are required to notify your insurance company.

How do I make an insurance claim if not at fault?

If the other party is at fault, it is a better option to pursue your claim through their insurer….Car Insurance Claim Not My FaultThe other driver’s name and address.Their insurer and policy information.Their car registration number, make and details.Statements and contact details from any witnesses.

What should you not say to your insurance company after an accident?

What Not to Say to an Insurance Company After a Car AccidentDon’t make any statements right after an accident. … Don’t admit fault. … Don’t say you are uninjured. … Don’t give an official statement or recorded statement. … Don’t accept a settlement without consulting an attorney. … Stick to the facts. … Medical records.More items…

Will my insurance go up if someone hits my car?

Yes. Regardless of whose fault it was, making a claim will almost always lead to an increase in your car insurance premium. Luckily, a non-fault claim won’t affect it as much as an at-fault claim will. Even if you don’t make a claim after an accident, you could still see an increase in your insurance premium.