Who do I file my accident case with? My insurance company or theirs?

Report an accident case to your own insurance company as soon as your basic medical issues are addressed. If the accident was the other driver’s fault, you’ll file a claim with their insurance company first but don’t forget about your insurance coverage. You may need a lawyer to file for you if you’re seriously injured or are too busy trying to recover and retain your previous responsibilities. 

In many cases you may be able to receive a faster payment from your own insurance company if you have the right insurance coverage. You should have the Personal Injury Protection (PIP) coverage, known also as comprehensive coverage or “medical payments.” This coverage will help pay for your medical expenses up to the limits on your policy. 

As long as your medical bills are under your policy limit, your car insurance should pick up the tab. However, this doesn’t mean that you won’t be contacted by the other driver’s insurance company. 

If the other driver filed a claim with their insurance company, they will be contacting you to verify information. At this time, you can attempt to file a claim with them as well, especially if your own insurance didn’t cover all of your expenses. 

Remember that you should be reporting your accident case to your own insurance company regardless of whether or not the other drivers’ insurance company has contacted you. 

When you want to do the “settle case on your own” thing, it’s your responsibility to seek out the channels for compensation of your injuries. Don’t expect the insurance companies to just stick a check in the mailbox. There’s some legwork to be done, but it’s worth it when you don’t have to pay lawyer fees! 

Why hire a lawyer to settle your accident case when you don’t need one? 

A minor accident case can typically be resolved without the need for a lawyer. When you settle your case on your own, it’s important to know how to deal with approaching the insurance company to begin your claim and work on getting a fair settlement. 

If you think you’re ready to handle your accident case on your own, I encourage you to visit my website and download a FREE digital copy of my book, Get It Settled! The Accident Victim’s Guide to Settling Your Case Without Hiring a Lawyer. If you think you need a lawyer, contact Ben Glass Law at our website, or give us a call at 703-591-9829 and we’ll set up a consultation.