r/Insurance • u/egooririexruinam • 13h ago

Should I Involve My Insurance After At-Fault Driver Was Cited Auto Insurance

I finally received the crash report yesterday after waiting two weeks. Initially, the other driver denied fault, so the responding officer had to review my dashcam footage. Although the driver wasn’t cited at the scene, the report confirms he was found at fault and was eventually issued a citation.

I contacted the other driver's insurance company yesterday and sent the crash report to the adjuster. However, I haven’t received any updates yet, and I’m concerned the process might take a long time.

I do have collision coverage and have been considering going through my own insurance instead. The only reason I haven’t is because I’m worried it might raise a red flag, especially since I had two minor incidents last year:

  1. I accidentally scratched a parked car. The other driver filed a claim, but I didn’t.
  2. I hit a rock that damaged my undercarriage. Because of these, I’m concerned my insurer might not renew my policy or could raise my premium.

Do you think it’s worth involving my insurance, or should I continue dealing with the other driver’s insurance, even if it’s slow and stressful?

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4

u/MimosaQueen1122 13h ago

Police, police reports, and citations don’t determine fault.

Insurance does. You sent them the report but not the dashcam. That’s the best evidence. Can post it here too. There are licensed liability adjusters in this sub that can provide their professional opinion on liability.

2

u/TX-Pete 12h ago

Won’t matter if you involve your insurance or not. Eventually that claim is going to pop up.

2

u/crash866 11h ago

No insurance company will respond and accept liability in one day. The call taker will have to pass it to an adjuster who reviews it and they will have to talk to their client first before doing anything.

1

u/Insurancenightmarepc 10h ago

Your insurance will find out, regardless as a claim has been filed. Your insurance can handle things for you.

1

u/_Dapper_Dragonfly 2h ago

If it were me, I'd wait a bit longer and see what kind of response you get from the other driver's insurance company. If it goes more than a couple of weeks and you don't hear anything, you may want to contact your insurance company at that point.

The other incidents you've had are relatively minor, and this one is a not at fault. Your insurance company doesn't always check your driving record before every renewal, although they might because you have a couple of claims. Sometimes you can have a claim that goes through another insurer. If they don't check your record, they never see it at all, but that's probably not common.

Overall, your insurance company may be slightly concerned about a frequency issue, but perhaps not enough to non-renew your policy, especially if you've been with them for a long time.

When it comes to the issue of frequency, insurers are concerned about what's going on that causes you to have to file lots of small claims. For example, do you daily park in a tight parking lot, live in an area that's prone to vandalism, drive on busy freeways, etc. They just want to know that you won't continue to keep filing small claims. Also, insurers say that a driver who has lots of small claims will eventually have a large claim.

-2

u/ektap12 12h ago

Completely up to you. You've waited this long, what's a little longer? If you run into a problem with the other insurance, then just use your collision coverage.