Filing a claim against another driver is called a “third-party insurance claim.” If the other driver is at fault, you can file a claim with the other driver’s insurance company for any accident-related property damage and medical expenses. If you filed a claim with your own insurance company and it’s providing coverage, your insurance company may bring a claim against the other driver or the other driver’s insurance.
Generally, you’ll file your third-party claim directly through the at-fault driver’s insurer. Your own insurance company may assist in guiding you through this process. When you’re ready to initiate your third-party claim, you will need to have the following information:
- The at-fault driver’s name and insurance policy number
- A copy of the official accident report. You can request this report from the responding police department
- The contact information for injured passengers or witnesses
- Photos of all the damages and the surrounding scene of the accident
- Your repair shop’s contact information
- Details of accident-related injuries – including dates of hospital stays