If you are in a car accident that is clearly the other driver's fault, you might not think that it is important to contact your own auto insurance company after the accident. Even though your own company might not be responsible for paying the claim, it is still important to notify them about the accident, and here are several reasons you should do this.

You are their client

The first thing to understand is that you are your insurance company's client and they care about you. They will want to make sure you are okay after an accident occurs, and they will be there to help you understand your policy, rights, and responsibilities in the accident. They may also be able to compensate you for some of the damages right away, even if the other party was at fault for the accident. If they do this, they would seek compensation from the other insurance company later on at some point for the money they paid out for your damages.

They can negotiate on your behalf

The second thing to understand is that your insurance company might be able to help you negotiate on the claim with the other insurance company. If not, they could at least steer you in the right direction. They may be able to give you advice about your rights, and they might also suggest hiring a personal injury lawyer for help settling your case. If you have questions of any kind about your accident, turning to your own insurance agency is a good place to start.

Your policy might have to cover some of the compensation

The third thing to understand is that there is a chance that your insurance company might have to pay for some of the compensation you are entitled to. For example, if the other driver was driving without enough insurance or without any auto insurance, you might have to turn to your own policy for compensation. Most people have uninsured and under-insured motorist coverage for this purpose. These are insurance coverage types that are used when accidents are caused by people without auto insurance or without enough auto insurance.

After an accident, you should not only contact your own insurance company, but you should also contact a personal injury lawyer. Your lawyer can help you settle your case and will negotiate for you. To learn more, schedule a visit with a car accident attorney today.