What Happens When An Insurance Claim Is Made Against You?

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When you’ve been in a car accident, the first thing you should do is make sure everyone is safe and call the police if required, regardless of who is at fault or who is suing who.

While you’re at the scene, you should also get important information from the other party, such as contact information, automobile registrations, and accident facts. We have a video and a guide on what to do after a car accident that will provide you with all of the information you require regarding what to do immediately following an accident and how to file a claim.

What happens if someone makes a claim on your automobile insurance?

If the other driver in a collision believes you were at fault, they may file a third-party claim against your car insurance. If you accept that you were at fault, the procedure is straightforward. You don’t have to do anything else once you’ve reported the accident and confessed fault — our Claims staff will take care of everything.

They’ll contact any third-party representatives, such as insurance or attorneys, and go over both parties’ paperwork; if the statements match, they’ll settle the claim as soon as the bill arrives.

Making a claim against your own auto insurance policy is one thing, but what happens if another driver decides to file a claim against you – and your insurance policy?

We’ve described the essential aspects you should be aware of when an insurance claim is filed against you because knowing what happens when an insurance claim is made against you is beneficial.

It’s vital to ensure that everyone at the site of an accident is safe before contemplating insurance issues. Call the cops and/or an ambulance if necessary.

Following that, you should exchange contact and vehicle registration information with the driver(s) of the other vehicle involved (s).

The other driver(s) may elect to file a third-party claim against your insurance after an accident. This suggests they believe it was your fault, not theirs, that caused the crash.

If you accept that the incident was your fault, your insurer will take care of the rest; you won’t have to do anything further.

Your insurer will then discuss the occurrence with third-party representatives, such as solicitors and insurance agents, obtain relevant documentation from these parties, and verify that their versions of events are consistent.

When your insurer receives the bill, if everything is in order, the insurance claim against you will be paid.

A “liability disagreement” will arise if the opposing party(s) claim that an accident was your fault, but you disagree.

The following examples of evidence will be gathered and examined:

  • Verbal declarations made by policyholders
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  • Identical mishaps (case laws)
  • Satellite maps – help determine the exact location of the occurrence
  • CCTV footage from a nearby location
  • Code of the road
  • Damage to the vehicle
  • Testimonies of witnesses
  • After that, a decision on liability will be made. There may be a liability split in some instances, such as when your insurer pays 70% and the other party pays 30%.

Without your insurance information, it is difficult, but not impossible, for someone to file a claim against your auto insurance.

The parties involved in any collision should have exchanged pertinent insurance information.

However, a vehicle’s registered keeper’s information can be obtained simply by looking at the license plate (via a Subject Access Request from the DVLA). Without a policy number, you might then contact the third-insurance party’s carrier.

You can also find out the details of the registered keeper without knowing which insurance company the other driver has by having the police seek out this information and contact them on your behalf. – Which is crucial to know in case you are ever the victim of a ‘hit and run.’

Claims that are both false and true

There are two instances in which you can find yourself with an insurance claim that you weren’t expecting:

  • Genuine Claims – Following an accident, a third-party driver may initially state that they do not intend to file a claim, but then change their mind. They might also try to make a claim even if you weren’t at fault (in your perspective).
  • Fraudulent insurance claims – You could be the victim of a bogus insurance claim.
  • If a third party tries to file a claim on your insurance when you weren’t at fault, or even when an accident hasn’t happened, you’ll be aware of it.

Before deciding on a claim, insurance providers will analyze who was at fault in the event of an accident. This usually always implies that your insurance company will contact you for more information about the reported accident.

Yes, because you are statistically more likely to be involved in an event in the future, this is a possibility.

It’s critical to communicate with your insurer in a straightforward and honest manner.

Related:

Do I have to pay an extra if someone sues me?

No. You would only be responsible for your auto insurance excess if you made a claim on your own policy. This is true for both voluntary and mandatory excess funds.

Your No Claims Bonus will be damaged if someone files a claim against your insurance and you are found to be “at fault.” You may not, however, forfeit the entire bonus: For example, if you had three years of No Claims Bonus, you could lose one year, leaving you with two years.

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Your No Claims Bonus will not be affected if you are found not to be at fault.

Your bonus will be protected if you have No Claims Bonus Protection. While you’ll get the same discount as before, your insurer may opt to raise your premium because it’s based on the number of claims you’ve made and the number of years you’ve gone without one. In such circumstances,

There are no claims made. In some cases, the extra protection may be worth the money. The extra payments for bonus protection, on the other hand, might build up year after year, leaving you out of money in the long run.

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