After a car accident, you worry about the bills you now face. Between medical care and damage to your car, you may not have the money to cover everything you owe. But if you didn’t cause the car crash, you can rely on the other driver’s insurance company to pay your bills.
However, dealing with a third-party insurance company can be challenging. Since Indiana assigns fault to crashes, you must prove that your actions didn’t cause the accident. And the third-party company may not want to give out money for your bills. Here are a few tips for dealing with someone else’s insurance:
- Have the other driver’s information – Make sure you get the other driver’s insurance policy information along with a name and phone number.
- Have information about the accident – Make sure to have a police report for the accident and have it available when you make a claim. Take photos of the scene as well for evidence.
- Gather information about your medical treatment – Go to a doctor right after the accident. Make sure he or she gives you any information about your injuries and the treatment needed. If you can, have your doctor write a letter connecting your injuries with the accident. Have all your bills available as well.
- Let your insurer know – Your insurance company can help give you advice on your claim. And if the third-party insurer denies you, your company may be able to pay your claim while seeking compensation from the third-party.
Insurance claims can quickly become complicated after a car accident. Even if you have proof that you didn’t cause the accident, insurers may try to deny you benefits.
If you receive a denial, your insurance company may be able to use the process of subrogation to compel the third-party insurer to pay. You may also want to speak with an attorney to help you receive benefits for your claim.