In an accident? Whose insurance should you call?

Someone hit my car whose insurance do I call? After you're in a car accident, the first thing you should do is contact the police. Getting hit can be a stressful time where you ask: when someone hits my car, whose insurance do I call? Even if it is minor, always inform your insurance company. If you can identify the other driver, there's a good possibility their insurance company will cover your repairs. The best type of insurance to protect you is collision insurance, which you can buy for as low as $200 a year.

Free Car Insurance Comparison

secured lock Secured with SHA-256 Encryption

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

Full Bio →

Written by Laura Berry
Former Insurance Agent Laura Berry

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® Joel Ohman

UPDATED: Dec 2, 2021

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...

  • No matter who is at fault, if your car is hit, you should always inform your insurance company
  • If you are the victim of a hit-and-run, you may be covered under collision coverage or uninsured or underinsured motorist coverage
  • If there is a dispute about who caused the accident, your insurance company will notify the other driver’s insurance and decide who is to blame

Being in an accident  — or when your car is hit — is a stressful experience.

Whether you are at fault or not, it’s difficult to know what to do first. You are probably asking yourself, “What should I do right now?”

Insurance is another big worry. You may want the answer to several questions. Such as, “If my car was hit, whose insurance do I call? Should I file a claim with my auto insurance or theirs?” Or, “If someone hit my parked car, can I get reimbursed for the repairs?”

Knowing what to do, what your insurance covers, and who’s at fault are all part of understanding your car insurance policy. This guide is here to help. Keep reading to find out what to do if you’re in an accident and whose insurance you should call.

You can also get quotes from top car insurance companies in your area before you do anything else. Buy car insurance by entering your ZIP code in our free tool to find a top car insurance company near you.

What to Do if Your Car is Hit

What do you do when someone hits your car?

First, call the police. After that, call your car insurance and if the other driver is still there, they should call their insurance company.

Give your insurance information to the other driver, too. Sometimes there is a disagreement about who caused the accident, so in that case, your insurance companies will have to decide.

Contact your insurance company even if you think the damage is not serious. The other driver might decide later to try to file a claim against you.

Free Car Insurance Comparison

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

secured lock Secured with SHA-256 Encryption

What about insurance after my car gets hit?

Most people are afraid to contact their insurance company after an accident because they think the insurance company may raise their rates or if the accident was their fault. No matter what, and no matter how minor you think the hit might be, always contact your insurance company.

If the other driver admits they were at fault, you can file a claim with their insurance company, called a third-party claim. The other driver’s liability policy will cover the cost of repairs to your car. You can also inform your insurance company that you filed a third-party claim.

What should I do if someone hit my car and drove off?

Most times you can identify the other person in a collision since they should stay to exchange information. Unfortunately, sometimes the other driver leaves the scene or you get to your parked car and see it’s been hit.

You can look to see if any witnesses saw the accident. If anyone saw what happened, write their contact information down so you have a chance of finding the driver. You may also check nearby businesses for any security camera footage.

What type of insurance will protect me if my car is damaged?

The best type of insurance to have if you get hit is collision coverage. So what is collision coverage on car insurance?

The clue is in its name. Collision car insurance covers your car if it is damaged in an accident. If you have this kind of coverage, the insurance company will pay for the repairs in a covered accident.

Collision coverage can even help you if the other driver is at fault. If that driver’s insurance only goes up to the state’s minimum liability, your collision coverage kicks in. Your insurance company pays the balance for your car’s repairs.

You may be curious as to how much collision coverage will cost. Here is an average of what you could expect to pay annually for collision car insurance.

Average Annual Collision Car Insurance Rates by State
StatesAverage Annual Collision Rates
South Dakota$200.10
Idaho $209.00
North Dakota$227.44
South Carolina $247.62
North Carolina$264.58
New Mexico$267.48
New Hampshire$281.70
West Virginia$319.10
New York$358.45
New Jersey$365.23
Rhode Island$377.06
District of Columbia$449.27

Compare RatesStart Now →

As you can see, it can be pretty affordable, especially if you shop around and compare quotes online.

Free Car Insurance Comparison

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

secured lock Secured with SHA-256 Encryption

Whose Insurance Do I Call? The Bottom Line

Hopefully, this guide has given you all the tools you need to know what to do when your car is hit.

Now that you have an idea of the steps to take after an accident, you can find affordable insurance. Our free tool makes it easy to check car insurance rates from top companies near you. Just enter your ZIP code now.

Free Car Insurance Comparison

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

secured lock Secured with SHA-256 Encryption