Although you should contact your own insurance company after an accident, if others were responsible for the crash, you would typically file a claim with the other parties' insurance companies. Sometimes it’s possible to file a claim with your own insurance company depending on your coverage (such as if you have medical benefits or collision coverage) and then it will seek reimbursement from the at-fault drivers’ insurers.
What usually happens, though, is the claim is filed with the at-fault parties’ insurance companies. You must present evidence that proves their policyholders were at fault for the crash. However, expect the other parties' insurance companies to do whatever they can to avoid liability, or at least reduce it.
Sometimes dealing with other parties in an auto accident can be challenging, especially when multiple parties are involved. It can be difficult to understand who is responsible to pay what. Talk to Jason R. Schultz for legal help establishing fault and damages: (404) 474-0804.
