{"id":169900,"date":"2024-02-29T20:43:44","date_gmt":"2024-02-29T20:43:44","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/do-you-call-your-insurance-if-someone-hits-you\/"},"modified":"2024-02-29T20:43:44","modified_gmt":"2024-02-29T20:43:44","slug":"do-you-call-your-insurance-if-someone-hits-you","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/do-you-call-your-insurance-if-someone-hits-you\/","title":{"rendered":"Do you call your insurance if someone hits you?"},"content":{"rendered":"<p>When you&#8217;ve been involved in a car accident that wasn&#8217;t your fault, you may wonder whether you should call your insurance company. The answer is yes. Even if someone else causes the accident, you should contact your insurance company to report the incident. This will help protect you and ensure that your insurance company is aware of the situation.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/do-you-call-your-insurance-if-someone-hits-you\/#FAQs\" title=\"FAQs:\">FAQs:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/do-you-call-your-insurance-if-someone-hits-you\/#1_What_should_I_do_immediately_after_a_car_accident\" title=\"1. What should I do immediately after a car accident?\">1. What should I do immediately after a car accident?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/do-you-call-your-insurance-if-someone-hits-you\/#2_Do_I_need_to_call_the_police_if_someone_hits_me\" title=\"2. Do I need to call the police if someone hits me?\">2. Do I need to call the police if someone hits me?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/do-you-call-your-insurance-if-someone-hits-you\/#3_What_information_should_I_gather_at_the_scene_of_the_accident\" title=\"3. What information should I gather at the scene of the accident?\">3. What information should I gather at the scene of the accident?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/do-you-call-your-insurance-if-someone-hits-you\/#4_Will_my_insurance_rates_go_up_if_someone_hits_me\" title=\"4. Will my insurance rates go up if someone hits me?\">4. Will my insurance rates go up if someone hits me?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/do-you-call-your-insurance-if-someone-hits-you\/#5_Should_I_get_medical_attention_after_being_hit_by_another_driver\" title=\"5. Should I get medical attention after being hit by another driver?\">5. Should I get medical attention after being hit by another driver?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/do-you-call-your-insurance-if-someone-hits-you\/#6_Can_I_choose_which_body_shop_to_use_for_repairs_after_being_hit_by_another_driver\" title=\"6. Can I choose which body shop to use for repairs after being hit by another driver?\">6. Can I choose which body shop to use for repairs after being hit by another driver?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/do-you-call-your-insurance-if-someone-hits-you\/#7_Will_the_other_drivers_insurance_cover_my_medical_expenses_if_Im_injured\" title=\"7. Will the other driver&#8217;s insurance cover my medical expenses if I&#8217;m injured?\">7. Will the other driver&#8217;s insurance cover my medical expenses if I&#8217;m injured?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/do-you-call-your-insurance-if-someone-hits-you\/#8_Should_I_file_a_claim_with_my_insurance_company_if_someone_hits_me\" title=\"8. Should I file a claim with my insurance company if someone hits me?\">8. Should I file a claim with my insurance company if someone hits me?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/do-you-call-your-insurance-if-someone-hits-you\/#9_How_long_do_I_have_to_report_a_car_accident_to_my_insurance_company\" title=\"9. How long do I have to report a car accident to my insurance company?\">9. How long do I have to report a car accident to my insurance company?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/do-you-call-your-insurance-if-someone-hits-you\/#10_What_if_the_other_driver_doesnt_have_insurance\" title=\"10. What if the other driver doesn&#8217;t have insurance?\">10. What if the other driver doesn&#8217;t have insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/do-you-call-your-insurance-if-someone-hits-you\/#11_Will_I_need_to_provide_a_statement_to_my_insurance_company_if_someone_hits_me\" title=\"11. Will I need to provide a statement to my insurance company if someone hits me?\">11. Will I need to provide a statement to my insurance company if someone hits me?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/namso-gen.co\/blog\/do-you-call-your-insurance-if-someone-hits-you\/#12_Can_I_file_a_lawsuit_against_the_driver_who_hit_me\" title=\"12. Can I file a lawsuit against the driver who hit me?\">12. Can I file a lawsuit against the driver who hit me?<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"FAQs\"><\/span>FAQs:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"1_What_should_I_do_immediately_after_a_car_accident\"><\/span>1. What should I do immediately after a car accident?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nAfter a car accident, first and foremost, make sure that everyone involved is safe. Then, exchange insurance information with the other driver and contact law enforcement. It&#8217;s important to document as much information as possible.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Do_I_need_to_call_the_police_if_someone_hits_me\"><\/span>2. Do I need to call the police if someone hits me?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIt&#8217;s always a good idea to involve the police after a car accident, especially if there are any injuries or if there is substantial damage to the vehicles involved. The police report can be helpful when filing an insurance claim.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_What_information_should_I_gather_at_the_scene_of_the_accident\"><\/span>3. What information should I gather at the scene of the accident?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nBe sure to collect the other driver&#8217;s name, contact information, insurance details, and license plate number. It&#8217;s also helpful to take photos of the accident scene and any damage to the vehicles.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Will_my_insurance_rates_go_up_if_someone_hits_me\"><\/span>4. Will my insurance rates go up if someone hits me?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIn most cases, your rates should not increase if you were not at fault for the accident. However, every insurance company is different, so it&#8217;s best to contact your insurance provider to discuss the specifics of your policy.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Should_I_get_medical_attention_after_being_hit_by_another_driver\"><\/span>5. Should I get medical attention after being hit by another driver?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf you are injured in a car accident, it&#8217;s crucial to seek medical attention as soon as possible, even if you don&#8217;t think your injuries are serious. Some injuries may not be immediately apparent and can worsen over time.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Can_I_choose_which_body_shop_to_use_for_repairs_after_being_hit_by_another_driver\"><\/span>6. Can I choose which body shop to use for repairs after being hit by another driver?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIn most cases, you have the right to choose which body shop to use for repairs after a car accident. However, your insurance company may have specific preferred providers that offer benefits such as warranties on repairs.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Will_the_other_drivers_insurance_cover_my_medical_expenses_if_Im_injured\"><\/span>7. Will the other driver&#8217;s insurance cover my medical expenses if I&#8217;m injured?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf the other driver is at fault for the accident, their insurance should cover your medical expenses. However, if their policy limits are insufficient to cover all of your expenses, you may need to use your own insurance coverage.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Should_I_file_a_claim_with_my_insurance_company_if_someone_hits_me\"><\/span>8. Should I file a claim with my insurance company if someone hits me?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, it&#8217;s recommended to file a claim with your insurance company even if another driver is at fault. Your insurance provider can help guide you through the claims process and ensure that you receive the compensation you&#8217;re entitled to.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_How_long_do_I_have_to_report_a_car_accident_to_my_insurance_company\"><\/span>9. How long do I have to report a car accident to my insurance company?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nMost insurance companies have a specific time frame in which you must report a car accident. It&#8217;s best to contact your insurance provider as soon as possible after an accident to avoid any potential issues with your claim.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_What_if_the_other_driver_doesnt_have_insurance\"><\/span>10. What if the other driver doesn&#8217;t have insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf the other driver doesn&#8217;t have insurance or has insufficient coverage, you may need to rely on your own insurance policy to cover your expenses. Uninsured\/Underinsured Motorist coverage can help protect you in these situations.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_Will_I_need_to_provide_a_statement_to_my_insurance_company_if_someone_hits_me\"><\/span>11. Will I need to provide a statement to my insurance company if someone hits me?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, you may need to provide a statement to your insurance company as part of the claims process. Be honest and detailed in your account of the accident to ensure a smooth claims process.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_Can_I_file_a_lawsuit_against_the_driver_who_hit_me\"><\/span>12. Can I file a lawsuit against the driver who hit me?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf you believe that the other driver was negligent and caused the accident, you may have the right to file a lawsuit against them to seek additional compensation. Consult with a legal professional to explore your options. <\/p>\n<p>In conclusion, it&#8217;s essential to contact your insurance company after being hit by another driver, even if they are at fault. This will help protect your interests and ensure that you receive the necessary support during the claims process.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When you&#8217;ve been involved in a car accident that wasn&#8217;t your fault, you may wonder whether you should call your insurance company. The answer is yes. Even if someone else causes the accident, you should contact your insurance company to report the incident. This will help protect you and ensure that your insurance company is &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"Do you call your insurance if someone hits you?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/do-you-call-your-insurance-if-someone-hits-you\/#more-169900\">Read more<span class=\"screen-reader-text\">Do you call your insurance if someone hits you?<\/span><\/a><\/p>\n","protected":false},"author":41,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-169900","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Do you call your insurance if someone hits you?<\/title>\n<meta name=\"description\" content=\"When you&#039;ve been involved in a car accident that wasn&#039;t your fault, you may wonder whether you should call your insurance company. 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