NY. I was involved in a car accident recently caused by a minor with a permit. My insurance said I’m not at fault. I have injuries that are being assessed. Kid was cited for failure to yield and driving outside of restrictions. They didn’t report injuries at the scene. I went to the ER by ambulance. I will be consulting an attorney.
I filed a claim through my insurance and have all the paperwork submitted they asked for so far. Today I started receiving voicemails from the other insurance company. First one from an injury adjuster about a vehicle loss on their policy. Then another phone call 3 hours later asking me to call them back.
How does this work? Do I need to be talking to them at all?
If I filed a claim through my insurance for a car accident, do I need to be talking to the other driver’s insurance?
byu/disgruntledmango inInsurance
Posted by disgruntledmango
3 Comments
For the injury claim, yes. You can let them know you’re planning on getting a lawyer, then they’ll probably stop talking to you directly.
What coverage(s) did you file under exactly?
Property damage is separate from bodily injury. You would speak to the other carrier regarding bodily injury.
Sounds like you filed collision under your policy. You’ll likely speak to the other carrier regarding bodily injury.
The accident happened in NY and your policy is NY I presume? NY is a no-fault insurance state, which means, regardless of who is at fault for the accident, your policy pays for your medical bills, lost wages and replacement benefits (such as household help). This is all medical and related to your ongoing treatment. If you were injured and let your insurance company know, they should have a PIP adjuster reach out to you shortly. (PIP=personal injury protection).
Now, since you were not at fault for the accident, the other carrier would be primary to have your vehicle fixed, as well as a bodily injury claim (basically pain and suffering).
A lot of people get this confused- PIP is the medical insurance to get treated. BI is basically suing the other car for injuries. Depending on the company, these can be all different adjusters. Your attorney may handle it for you.
For PIP, you need to fill out the no fault application and send back to your carrier within 30 days of the accident. They should provide you a claim number and the billing address that your medical providers can send bills to.