Filing a Claim

• At the accident scene, exchange insurance information with the other party involved. The police will file a report which you use to then file an auto insurance claim.
  
  

Insurance Carrier

• Your auto insurance coverage will determine your rights. An insurance claims adjuster will determine the amount of damage to the vehicle. If you have no-fault insurance, you pay a deductible and your auto insurance covers the rest of the costs.
  
  

Other Party in Claim

• If the other party involved is at fault, you may file a claim with that person's insurance company. This claim covers costs not covered by your insurance company.
  
  

Lack of Auto Insurance

• If your automobile is uninsured and the other party is at fault, you may file a claim with the other party's insurance company.
  
  

Other Party's Lack of Auto Insurance

• If the other party lacks auto insurance, you may file a claim in court.