Welcome to the topic “How To Make A Claim Against Someone Else’s Insurance?“
We’ve covered a wide range of topics in accordance with car insurance. We have covered all these topics because we want our customers to make better decisions about car safety and insurance. We believe the best way to do so is to know everything there is to know about these topics.
In this blog post, we will discuss the method to make a claim against someone else’s insurance.
Perla Insurance, one of the best car insurance companies in the Philippines, is here to help you with any car insurance questions you may have. These questions will be answered via our Perla Cares series on YouTube. Another alternative is through these instructional and informative blog posts.
So, read on ahead to find out exactly how you can make a claim against someone else’s insurance.
How To Make A Claim Against Someone Else’s Insurance
Car insurance is intended to safeguard you in the event of a collision. It is, however, intended to safeguard you in situations where you are not directly at fault. Even if you’re a cautious driver with a clean driving record, you’re still at risk of being involved in an accident caused by another driver. It’s critical to make sure you’re protected throughout these times.
In the most basic case, if someone else hits you, you will need to get the written admission of the person at fault and get his insurance policy details. Provide these details asap to your insurance company, so they can assist you to file a claim against their liability insurance. This is referred to as a third-party claim because you are the third party in the eyes of the other driver and their insurance company.
The Next Step
You’ll need to know how to submit a claim against the other driver’s insurance if you’re in an accident when they’re at fault. You utilize your own insurance carrier to cover costs in a first-party claim. In a third-party claim, on the other hand, you utilize the other driver’s insurance to cover your repairs, damages, and medical costs.
The other person’s insurer will process the claim but don’t expect a rapid settlement. The insurer may want to look into the accident to see if their customer was genuinely at fault.
To file a claim, write to the motorist or their insurer immediately after the accident. Their insurer will determine who is at fault before settling. Note: If you file a claim against another driver, you must also notify your own insurer.
Tell them you wish to make a claim in writing. Their insurer will figure out who is to blame before paying out.
Once you’ve filed your claim, their insurer will inspect the damage to your vehicle and, hopefully, compensate you. It’s possible that you’ll have to have it mended at their preferred garage.
What Should You Do In The Case Of An Accident?
This topic has already been discussed in a previous post; however, we shall briefly go over these steps once again.
These are some of the steps that you should follow in the unfortunate circumstance of you being met with an accident:
- When you’re anxious or stressed, it’s difficult to resist the urge to say “I’m sorry”. However doing so may lead to the accident being blamed on you, even if it wasn’t your fault.
- Collect all parties’ names, addresses, insurance policy numbers, and phone numbers.
- Take photos of all damage and the accident scene, including how each vehicle is now parked, skid marks, and any other details that may be visible. Take as many shots as you can from a safe distance.
- Gather information on the accident, such as the sequence of events, the location, the weather, and so on.
What Is A Third-Party Claim?
The use of another driver’s liability insurance to pay damage or injury caused by a car collision is known as a third-party claim. Even if you aren’t a policyholder, you can submit a claim directly with the at-fault driver’s insurance carrier.
These instances, also known as liability claims, occur when you are a third party to the driver and their insurance carrier. In most cases, the at-fault driver is held liable for any damages to your car. The other driver’s insurance may cover any resulting medical expenditures, depending on your region and coverage.
Why Is There A Delay In The Settlement Of Insurance Claims?
There are a few different reasons why the settlement of car insurance claims can be delayed. Here is the basic gist of some of them:
1. How Complex The Accident Is
You may face delays if the accident is complicated in nature. It can be challenging to determine who is at fault, and this matter would have to be handled delicately. Some examples of these are multiple vehicles involved, drunk drivers, etc.
2. How Severe The Injuries Are
This can cause delays as the victim has suffered severe injuries. Negotiations are halted if the victim is seriously injured, and they resume when the victim recovers. Examples of these are the victim may be suffering from concussions, spinal cord injuries, etc.
3. If Documents Are Incomplete
To receive a settlement of your insurance claim, you must submit a number of documents to provide accurate information and evidence. You will need to submit the missing documents if they are incomplete, and this can delay the process.
4. Disputes Over Who Is Responsible
The liability may not be easy to pinpoint in cases where the parties involved are in dispute over who is responsible. Investigations can take a long time, which would be a cause for delay.
5. Gathering Medical Records And Bills
This step may cause delays as it is in the hospital’s hands to give you the extensive medical records and bills, which are a requirement to show as evidence when filing for your claim. Medical records can take months to collect.
6. Filing The Complaint Late
Filing a complaint must be done within a certain given deadline if you wish to have your claim accepted and settled in a timely manner. If deadlines aren’t met, you may have to face some delays.
7. If The Facts Do Not Add Up
This is a cause for delay if there are inconsistencies that make the incident seem not believable or the information provided by the person is incongruent with the documents. The insurance company will not know what to believe.
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Also Read: Reasons Why Your Car Insurance Claim Can Be Rejected