How to Make an Insurance Claim Against Another Driver
If you’re not at fault for the damage to your vehicle, you can choose to file your claim with the carrier of the responsible party or with Travelers. Although every insurance provider is different, the information below may help you decide which option is best for you and understand what to expect and how your Travelers Claim professional can assist you.
What should you consider when deciding where to file your claim?
You may want to consider out-of-pocket expenses, quality of customer service, choice of vendors, turnaround time and the carrier’s rental car procedures among other factors. For example, if you choose to file your claim with Travelers, you may be required to pay a deductible and then wait for reimbursement from the other carrier. If you file with the other carrier, you will not be required to pay a deductible. However, you may determine that turnaround time is a more important factor to you.
How do I go about filing a claim with the other insurance company?
If you have the information from the other person involved in the accident, you may call his or her insurance company to file your claim. Some companies may also offer online claim reporting.
How long will it take for the other insurance company to pay me?
Each company has a different process for managing claims. In general, for less complex incidents where everyone cooperates and there are no concerns about who caused the accident or the damages being claimed, the claim process may not take as long as when there are these concerns.
Do I need to have my vehicle repaired at a place identified by the other insurance company?
No, you do not. Regardless of who pays for your vehicle damages, you have the right to have your vehicle repaired at the repair facility of your choice. If your vehicle is not safe to drive, you should notify the other insurance company as soon as possible so they can begin their claim process.
Will the other insurance company pay for my rental car?
If the other insurance company has accepted responsibility for your damages, they may provide you with a rental vehicle or alternative transportation. Generally, there are guidelines around how long vehicle repairs will take, so please check with the company to determine if there are any requirements they may have prior to you renting a vehicle.
For instance, some companies may want you to drop off your vehicle for repairs after all of the repair parts have arrived at the repair facility and that is when you would receive a rental vehicle.
If your vehicle is not safe to drive, let the other insurance company know so they may expedite the inspection of your vehicle. You may also want to let them know as soon as possible if your vehicle was towed to a storage facility. Because storage charges accrue on a daily basis, it may be best to move your vehicle to the repair facility of your choice to avoid any potential delays or additional charges.
What if I don't agree with the amount the other insurance company offers me for the damages to my vehicle?
If the other insurance company has accepted responsibility for your damages and you have an estimate from a repair facility of your choice, or your vehicle is not repairable and you have done research to understand your vehicle’s value, share that information with the other insurance company as soon as possible. In circumstances where your vehicle is repairable, the other insurance company may negotiate the price of the repair with your shop.
If your vehicle is not repairable and you believe that the vehicle’s value is greater than the settlement offered by the other insurance company, you may attempt to negotiate the amount with them. If you are unable to reach an agreement, there may be resources available to help you, including your state’s department of insurance.
Can I reopen my claim with Travelers if I am not satisfied with the other carrier?
Yes, you can. If you are unhappy with the other carrier, please feel free to contact Travelers. If we find that your Travelers policy covers your loss, we will be happy to handle your claim and then seek reimbursement from the other company. To help with a seamless process, you may wish to take pictures of your damaged vehicle. If you choose to use your Travelers policy to pay for your damages, any deductible you have will be applied at the time of your payment. We will attempt to recover your deductible from the other insurance company.
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