Do you contact your own insurance when it is the other party’s fault?

Even when the other driver is at fault, notifying your insurance company of an accident you have been involved in is a good idea. In the event that the at fault person's insurance company denies the claim, your own company may be able help you get the issue resolved. Additionally, if the other driver files a lawsuit disputing the blame, your insurance company will need to be aware of the situation, not surprised when they are contacted by the other person's lawyer.

Your insurance is based on the value of your vehicle. If you have been involved in an accident, your car's value has been altered and the insurance company will want to determine whether there has been sufficient damages to warrant modifying your policy. It is your responsibility to notify the insurance company of anything that changes the value of the car, such as a new paint job, installing a new stereo, or being involved in an accident. Even if you are not at fault, your insurance needs to be aware that the insurable value of your policy has been affected. Your insurance company will probably want to see a copy of the repair estimate and final costs receipts as well.