Someone Hit My Car: Whose Insurance Do I Call?

You’re driving down the street, minding your business, and BAM – an irresponsible driver hits you. What do you do now? The worst part of getting in a car accident is knowing what to do next while you deal with injuries, shock, and auto repairs.

As the bills mount, questions about insurance arise. Someone hit my car… whose insurance do I call? Talking about a car accident lawyer in Fairfield, CT, will ensure you do not miss any necessary steps. Then, you can pay your bills and save as much money as possible as you navigate your case.

Should I Call My Insurance or Theirs After Someone Hit My Car?

“Someone hit my car” is the first thing out of your mouth as you ask for help after your car accident in Fairfield. Whether calling the police, the insurance company, or your trusted lawyer, you are likely to feel overwhelmed. Knowing about insurance regulations in Connecticut will help you get a broad grasp on what will come next.

In Connecticut, which follows an at-fault system, the driver responsible for the accident is typically liable for the damages. However, determining which insurance company to contact depends on several factors.

1. The Other Driver’s Insurance: Since Connecticut is an at-fault state, you’ll typically need to file a claim with the at-fault driver’s insurance company. This is known as a third-party claim, and it covers vehicle damage and any medical expenses caused by the accident. Once liability is established, their insurance should compensate you for repairs and other related costs.
2. Your Own Insurance: You should also notify your own insurance company, even if the accident was not your fault. This ensures that they’re aware of the incident and can assist you in dealing with the other party’s insurer if needed. Additionally, if you have collision coverage or uninsured/underinsured motorist coverage, your insurer may cover your damages while pursuing reimbursement from the at-fault driver’s insurance.
3. In Case of Disputes: Sometimes, the at-fault driver’s insurance may dispute the claim or delay compensation. If this happens, having your insurance company involved early can help streamline the process. They can handle negotiations and ensure you receive the compensation you deserve.

In addition, a Fairfield car accident lawyer can help you prove liability in your case so that there are no questions as to who was at fault in the car accident. By investigating, presenting evidence, and proving liability, your lawyer will expedite the process after you let them know someone hit my car.

What If the Other Driver Is Uninsured?

If the person who hit you doesn’t have insurance or their policy limits are too low to cover your damages, you can file a claim with your own insurance under your uninsured/underinsured motorist coverage. Connecticut law requires insurance policies to include this coverage, ensuring protection in such scenarios.

Steps to Take After the Accident

To make the claims process as smooth as possible, follow these steps after the accident:

1. Document the Accident: Take pictures of the damage to your vehicle and the scene of the accident. Exchange contact and insurance information with the other driver.
2. File a Police Report: In Connecticut, you must report any accident resulting in injury or significant property damage to the police. The report will be valuable when filing an insurance claim and can help determine fault.
3. Notify Your Insurance Company: Even if you plan to file a third-party claim with the other driver’s insurance, notify your own insurer as soon as possible. They can guide you through the process and provide coverage while waiting for the at-fault driver’s insurance to respond.
4. Call the At-Fault Driver’s Insurance: Once you have all the necessary information, contact the at-fault driver’s insurance company to begin the claims process. Be prepared to provide details about the accident and any supporting documentation.

Working with a personal injury lawyer will always demand respect in a car accident claim. You will not have to worry about the insurance company ignoring your calls or offering a lowball settlement payment. Your lawyer will advocate for your rights and seek maximum compensation.

Dealing with Insurance Companies

Dealing with insurance companies after someone hit my car can be challenging, especially if there are disputes over fault or the extent of damages. It may be time to consult with an attorney if you encounter issues, such as denial of your claim or unreasonable delays.

Get Help from a Lawyer

If someone hits your car in Fairfield, CT, your first step is to contact the at-fault driver’s insurance company. However, it’s also crucial to notify your own insurance, as they can assist you with the claims process. They will also provide coverage if needed.

In cases where disputes arise, working with a legal professional can help protect your rights and ensure you receive the compensation you deserve. Being well-informed about the process can ease your stress after you express, “Someone hit my car.” Brill Law Group will help you recover more quickly from the financial burden it may cause.