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Photo of Joshua Nielsen
Photo of Joshua Nielsen

How do you make a claim against someone else’s car insurance?

On Behalf of | Nov 30, 2020 | car accidents

Recently, you were in an auto accident while navigating North Carolina’s roads. The police report determined the other driver bears fault for the accident, but you do not know how to file a claim on another’s car insurance.

Forbes offers information you may find useful. Learn how to make a third-party claim and receive the compensation you need to repair your vehicle and cover your resulting medical bills.

Making a third-party claim

For your scenario, you want to make a third-party claim. The other driver acts as the first party, the insurance company becomes the second and you are the third party. While the other motorist’s insurance provider may process and accept your claim, that does not mean you receive compensation soon. Instead, the insurance company may launch an investigation to determine for sure which party bears fault (and financial responsibility) for the incident, which may take time.

Using your own insurance

Even if the at-fault party has an auto policy, it may not be enough to cover the extent of your injuries and damage. To make up the difference and get back on the road to recovery, you may have to file a claim with your insurance provider. Review your policy to see if you have uninsured/underinsured motorist coverage.

Suing the other driver

If you do not have an uninsured/underinsured motorist policy and the other driver does not have enough coverage for the extent of your damages, you can sue. Before filing, know that the other driver may not have the assets to cover your lawsuit amount. It is up to you to determine if it makes sense to pursue this route.