How do you all handle an accident? It’s very unlikely that I will be at fault, as the other driver went through a stop sign and t-boned me(low speed).

I have full coverage and opened a claim with my insurance. Once the police report is available, that will go to my insurance so they can pursue the other driver’s insurance.

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Sounds about right. Just make sure every interaction with the insurance companies is in writing and not on the phone. Emails are essential at this point.

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Everything has been recorded and I’ve requested email confirmations of everything. My only mistake might have been not copying down the other driver’s insurance. But it should be in the police report.

I’ve read some people recommend not reporting it to your own insurance and only filing a claim with the other insurance.

Depends. If the driver is upfront and honest and has “good” insurance, you can file with them. In fact, if there is no doubt about fault, first line companies may reach out to you. If, however, there is any doubt about the others insurance, file with yours and let them subrogate the other. You’ll need to pay your deductible, but you’ll get the ball rolling. Unfortunately, I’ve had both experiences.

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