U need 2 do both>First call police then go from there.
If there is insurance coverage on the at fault vehicle, there should be no reason to file small claims. If the at-fault party does not have insurance, then small claims is an option.
No, Homeowners insurance is for the house. it does not cover cars or car accident claims.
Yes
1) Your insurance company receives your driving record from your DMV. If you are in an accident and it is reported to the police, they will add that accident to your driving record. 2) When you are in an auto accident, the insurance companies of everyone involved are notified when people submit claims.
Third party liability insurance is useful if you are blamed for having caused an accident and someone wishes to file a claim against you. With third party insurance you are insured for claims up to a predetermined amount.
The term "accident insurance" applies to life and health insurance policy's that will only pay claims that result from an accident. Example: A person who owns an accident-only disability policy falls ill from cancer. The policy will not pay any claims as a result of the cancer. If the same person fell down a flight of stairs, the policy would pay.
When automobile accident claims are required, the individual's car insurance company should be contacted, in order to put the individual in contact with a claims adjuster or representative. Accident/regular claim adjusters will help the individual through the claims process and assess the value of the claim.
If a victim of a simple car accident claims injuries, it is best to talk to your insurance as soon as possible. Your insurance company will then require that the victim's insurance company provides proof of injury. If it is found that the victim is injured, your insurance company will instruct you on the next course of action.
Most insurance claims do not require police reports. Some states require it for hit and run claims.
If they know about the accident, there should be a claim involved so it could.
In most insurance claims, the burden of proof is on the claimant - in other words, YOU have to prove the accident occurred for them to pay off the claim.
One can make an insurance claim by calling their insurance company. If a car accident is the reason one needs to make a claim a police report must first be made. Other insurance claims can often be filed at the insurance companies website.