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Navigating the insurance process when not at fault in a crash

West Virginia drivers may be interested in some information on what to do when they are involved in a car accident. There may be additional steps to take when they are not at fault.

When involved in an auto accident, no matter who is at fault, it is important to get all of the other driver’s information. This includes their name, address, insurance information and a statement from them about the accident. Additionally, photos of the accident scene should be taken as evidence, either with a camera or a smartphone. Some insurance providers have their own smartphone applications that will walk a policy holder through the process and ensure that the correct information is collected.

In situations where the person is not at fault, they may need to deal with the other driver’s insurance company in order to seek reimbursement for the damage to their vehicle. That insurer may demand that the driver get an estimate of the damage before authorizing repairs. This authorization should be in writing to avoid them denying payment later on. If the other driver is not being truthful about the causes of the car collision, a police report may be helpful as evidence of the facts. In any case, they should contact their own insurance company to report the accident to show good faith in case of a denial by the other insurance company.

Throughout this process, it may be helpful to have the guidance of an attorney. This is particularly true when the driver has been injured in the car accident, whether due to a drunk driver or someone who is texting and driving. The attorney may be able to bring legal action against the other driver or negotiate a fair settlement with their insurance company.

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