Car Accident Not Your Fault
You will have to contend with many issues when you are involved in an accident of which the safety and ultimate health of the involved parties will be paramount followed by the condition of the vehicles and property.
From these, the issue of who is responsible must be resolved. If it is determined that the accident is clearly not your fault, you should still contact your insurance company. Every time you do this, a note of good faith is placed on your policy and over time you will be given a safe driver discount.
It is illegal for an insurance company to deny a claim if they haven’t first investigated the accident or if evidence suggests a person under their liability has injured another person or caused damage to their property. If you contact your insurance company after an accident, regardless of who is at fault, then the other insurance company cannot claim they have no evidence of fault for their policyholder. They can only do this if you were found at fault.
Should you find yourself in this situation, it’s best to hire an attorney who specializes in automotive personal injury cases. They know which questions to ask and how to get answers. They generally won’t charge for their services unless they win your case.
Another thing you need to be aware of if an accident is not your fault is keeping the other driver(s) honest. Make sure you get their name, address, phone number, policy information, as well as eye-witness statements and their contact information. Call the police if they are not already there so you have the benefit of an official police report. Once this is done, call your insurance company and bring them up to date.
Be sure to cover all your bases and that should prevent any problems from occurring. Sometimes police officers won’t file a report if the damages appear to be minimal and there is no way to compel officers to file one. If you follow the above actions thoroughly, you should be able to circumvent any problems if the police aren’t any help.
Finally, if you are not found at fault, you do not have to worry about your premium rising or paying your deductible.