What To Do When Someone Hits Your Car

Your insurance company can handle the process when someone hits your car. But nothing gets the blood flowing like a fender bender, it can be especially frustrating if someone hits your car and runs. It is always a relief when it isn't your fault and someone else's insurance pays when they hit your car. You should immediately contact your car insurance when someone hits your car, even if someone just hits your car with their door.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

Full Bio →

Written by

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 15, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's what you need to know...

  • Your own car insurance company is responsible upfront for your costs after an accident.
  • These costs include medical and property damage, up to the limits of your insurance policy.
  • After the involved insurance companies have determined who is at fault, they will work together to cover costs and you are not involved in this process.

Car insurance is necessary, yet can be pricey. Using an online shopping and comparison tool can help you get the best rates and car insurance and protect you in the event of an accident.

Thankfully, most people will not have to deal with the aftermath of a car accident more than once or twice in their lives, at most.

However, since people do not have to frequently deal with the ins and outs of a car accident, it can be very confusing to deal with.

If you have recently been in a car accident and were not at fault, you may be wondering what the process is and if the other driver’s car insurance will pay for the damages that you have incurred.

Start comparing car insurance rates now by using our FREE tool above!

The Purpose of Auto Insurance


We all know that having auto insurance is a legal requirement. However, many drivers do not stop to completely understand why it is so important.

In an accident, many expensive damages can occur, such as damage to cars, other property, and even bodily injury or death.

The money to pay for these damages must come from somewhere, that’s why car insurance policies financially protect drivers in the event of accidents.

They work behind the scenes to cover all of the damages and take care of the needs of the driver, such as getting the vehicle repaired or a new vehicle, or obtaining the medical care they need.

Comparing auto insurance rates can help you get the best value for your money and the best protection in the event of an auto accident.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Immediately Following the Crash

Right after an accident has occurred, it is important to make sure everyone is okay.

Once that has been established, you should get the other party’s information, including:

  • Car insurance information
  • Car registration
  • Driver’s license information
  • Name
  • Phone number
  • Address
  • Other contact information

You and your insurance company will need this information to properly settle your claim.

If a police report is filed, it is also helpful to get a copy of the report or the report number so that your insurance company can obtain it.

Keeping good records will be the best way for you to protect yourself after the accident, including taking pictures of damages with your cell phone.

Filing Your Claim


Most insurance companies require a driver to report their claim as soon as possible after the accident.

This helps ensure that any damages are taken care of as soon as possible and helps them increase their chances of recovering from the other driver’s insurance company.

When calling to report your accident, be prepared to answer several questions and give several important pieces of information to the agent, such as:

  • Where the accident occurred
  • An explanation of the accident
  • What you were doing at the time of the accident
  • If anyone was injured in the accident, and if so, the types of injuries
  • A description of damages to the vehicles involved
  • If the police were involved
  • If a police report as filed, what jurisdiction it was filed in and its number
  • If you have contacted an attorney
  • The insurance and contact information for the other drivers

The more information you can give the insurance agent, the better your claim will be handled.

With more information, it can also be handled in a more timely manner.

What is the insurance company doing?

At this point, you should be assigned a claims adjuster, who will be your point of contact at the insurance company regarding the accident from here on out.

It is the adjuster’s job to:

  • Investigate the accident
  • Assess the medical reports
  • Talk to any witnesses to the accident
  • Look at the scene of the accident
  • Examine the damaged vehicles
  • Be the manager of medical treatments and auto repairs
  • Check the auto insurance coverage of all involved parties
  • Determine who is at fault for the accident

When comparison shopping for auto insurance, it is important to make sure you are comparing the same amounts of coverage between companies. After an accident, the type and amounts of coverage you have will determine how much is paid on your claim.

While adjusters for all involved insurance companies are gathering this information and making determinations as to who is at fault, each individual insurance company will pay for their own driver’s expenses.

Your car insurance company is responsible for making you whole after an accident, otherwise known as indemnification. They need to repair or replace your vehicle and pay for any medical treatments you need, in accordance with the car insurance coverage you have.

Your own insurance company pays for these expenses up front, not you, or the other driver or their insurance company.

After all the pieces of information have been gathered, and the fault has been determined, the insurance companies will negotiate with each other to find out which company will reimburse the other for the claims that they have paid on.

You and any other involved parties in the accident will not be involved in this process or likely know much of the outcome.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Uninsured and Underinsured Drivers


You may also be worried if the driver that hit you has no insurance or does not have enough insurance. This is another benefit of auto insurance.

If you have the appropriate amounts of coverage, you do not need to worry.

After your claims adjustor has done their research and assessments, your insurance company will again deal directly with the other driver’s insurance company if they were underinsured, or they will go after the driver themselves.

Though car accidents can be extremely upsetting, making sure you have the right amounts of coverage at premium prices you can afford will be the best action you can take to proactively protect yourself.

Comparison shopping for car insurance will help you determine the amounts of coverage that are right for you in the event of an accident and which companies will give you the best value for your money.

Start comparing car insurance rates now by entering your zip code in our FREE tool below!

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Average Monthly Car Insurance Rates by State