How to Make A Claim Against Someone Else’s Car Insurance?

insurance claims after an accident

In most cases of insurance claims after an accident, your own insurance will cover damage to your vehicle. However, there are also cases of rivers making a claim against another driver’s insurance. This happens when the other driver is at fault, or sometimes, equally responsible for a crash. Working with an auto accident lawyer will help you differentiate cases where insurance claims after an accident should go to the other driver’s firm.

As a leading auto accident lawyer in Ohio, Dyer, Garofalo, Mann, & Shultz strive to protect our clients from loss of finances due to damage in a vehicle. We also protect clients from being wrongfully accused in motor accidents. One of the things we help with is sorting out how to file a claim, when making a claim against another driver’s insurance, and how to know when you should do this.

Here is a guide to insurance claims after an accident and when the other driver’s insurance firm should take the brunt of your cost.

The Nitty Gritty About Making a Claim Against Another Driver’s Insurance

A third-party claim occurs when making a claim against another driver’s insurance. This happens when the other driver is at fault. For example, if someone crashes into your vehicle and there is no doubt they were responsible. The major problem with this type of claim is that they are time-consuming. Before you receive any settlement, the insurance company will want to know that their client is indeed at fault. Your auto accident lawyer can help you speed up the process, but there is still due diligence to be done.

There are cases where you are better left to your own insurance than bothering with the hassle of making a claim against another driver’s insurance. However, this leaves your own insurance premiums to rise. Now, here is an important point to consider. Ohio is an “at-fault state”. Unlike “no-fault” states which require drivers to make the claim through their own insurance first regardless of who was “at fault”, “at-fault” states go through the insurance of the driver who is at least 50% or more responsible for the accident. Unfortunately, this means that if you are more than 50% responsible, you won’t be receiving money by making a claim against another driver’s insurance.

Getting Started Making a Claim Against Another Driver’s Insurance

It is important to report a car accident as soon as it happens and exchange insurance information with the other driver. If you do not report the accident and seek medical attention for any injuries you have received personally, you will find it difficult to collect, even when making a claim against another’s driver’s insurance.

Insurance claims after an accident should be filed quickly and must include all of the facts. If you make a deal with the other driver for them to pay out of pocket, this could also block you from making a claim against another driver’s insurance.

insurance claims after an accident
See Larger

Wondering how to file a claim once you know you can? It is simple. The information for the other driver’s insurance is in your hand (if you have done your job following the accident). You can either contact them yourself and fill out the forms and provide the information necessary to file the claim, or you can work with your auto accident lawyer to ensure the claim gets filed properly.

The process includes a lengthy wait, during which time you may have to pay out of pocket for some expenses or go through your own insurance for others.

Document Everything when Making a Claim Against Another Driver’s Insurance

If you are making a claim against another driver’s insurance, be certain you document everything before and after you file. Any interaction you had with the other driver, the auto accident and how it happened, damage incurred to your vehicle, medical bills and medical records following the crash. Any and all information that points a finger at the other driver and proves your need for compensation will help your case.

Suing a Driver with an Auto Accident Lawyer

In some cases of motor vehicle accidents, a driver will choose to sue the other driver with an auto accident lawyer. You can do this while simultaneously making a claim against another driver’s insurance. In fact, this is beneficial to you, as it could provide funds before the claim pays out. On the other hand, the court process could be lengthy and result in another long wait time. This depends on your auto accident lawyer and their ability to settle quickly.

To work with an auto accident lawyer you must first ensure you have filed your insurance claims after an accident. You must have also visited and have a record of your visit to a medical clinic to treat injuries sustained following the accident. If you choose to speak with an auto accident lawyer, we recommend doing so immediately after you have completed these steps. The sooner you file a suit against the other driver, the more likely you are to make a successful case as evidence is still fresh.

On the other hand, you may require the services of an auto accident lawyer because you are being sued by the other driver. Dyer, Garofalo, Mann, & Schultz protects clients in both cases, and can help you avoid paying out for accidents you were not at fault for.

Contact Dyer, Garofalo, Mann, & Schultz

Still, find yourself wondering how to file a claim when making a claim against another driver’s insurance? We can help. Dyer, Garofalo, Mann, & Schultz have a long list of success stories involving insurance claims after an accident and lawsuits revolving around those accidents. We work with you from beginning to end, guaranteeing you get all the paperwork in which needs to be filed, and helping you facilitate the insurance process and any legal avenues you wish to pursue.

For more information on auto accident lawyers, or the other services we offer, we invite you to visit our website or call us at 1-866-492-9214.

Quick Answers

What is a Third Party Claim

A third-party claim occurs when making a claim against another driver’s insurance. This happens when the other driver is at fault. For example, if someone crashes into your vehicle and there is no doubt they were responsible. The major problem with this type of claim is that they are time-consuming. Before you receive any settlement, the insurance company will want to know that their client is indeed at fault. Your auto accident lawyer can help you speed up the process, but there is still due diligence to be done.

Learn More

How to File a Third Party Claim

Wondering how to file a claim once you know you can? It is simple. The information for the other driver’s insurance is in your hand (if you have done your job following the accident). You can either contact them yourself and fill out the forms and provide the information necessary to file the claim, or you can work with your auto accident lawyer to ensure the claim gets filed properly.
The process includes a lengthy wait, during which time you may have to pay out of pocket for some expenses or go through your own insurance for others.

Learn More

Working with an Auto Accident Lawyer

To work with an auto accident lawyer you must first ensure you have filed your insurance claims after an accident. You must have also visited and have a record of your visit to a medical clinic to treat injuries sustained following the accident. If you choose to speak with an auto accident lawyer, we recommend doing so immediately after you have completed these steps. The sooner you file a suit against the other driver, the more likely you are to make a successful case as evidence is still fresh.

Learn More