When to File an Auto Insurance Claim and Who to Contact?

When you have been in an auto accident, it is dependent on your type of insurance coverage, the other party’s insurance coverage and who is at fault as to who should be contacted and for what portion of the insurance policy.

Damages to Your Car

If your vehicle is damaged in an auto accident in Arvada, CO and it is clearly the other driver’s fault, you will file a claim with the other driver’s liability insurance. Their liability policy will pay for repairs or to replace your car.

 If the damages are may clearly your fault, you file a claim with your insurance policy under your collision policy. 

If the fault is not clear or it can be that both parties are at fault, then you file a claim with your insurance and the other driver’s insurance. After the fault is determined, you will get your damages covered by one policy or the other. 

If the damages are not from a collision, such as your car is stolen, vandalized or has hail damage, you file a claim under your comprehensive insurance.

If the other driver has no insurance or is underinsured, you file a claim with your insurance company, Alliance Insurance Services, under the uninsured/underinsured motorist coverage. 

If you are Injured

If you are in an auto accident and you have injuries, you file a claim with your insurance provider under your personal injury protection (PIP). This applies even if you are not at fault or have health insurance. The PIP portion can help pay for the bills that your health insurance doesn’t cover, so you won’t have a balance to pay on your medical bills. 

If the other driver is at fault, you file a claim with their liability insurance. 

If the other driver has no insurance or is underinsured, your own insurance policy will cover expenses for you from the underinsured or uninsured portion of your policy. 

Minor Damages to Your Car and no Injuries

If it’s the other driver’s fault, file a claim with their liability policy, because you won’t need to pay a deductible to get your damages repaired.

If the accident is your fault, consider if the minor damage is okay with you or if the cost of fixing it is little over your deductible, consider not filing a claim at all. The small number of repairs after you pay your deductible might not be worth an increase in your insurance rates.

At Alliance Insurance Services in Arvada, CO, we are here to help you every step of the way after an accident. You can use our online rating tool or call or come by the office to get more information on auto insurance.