Best Auto Insurance Companies That Don’t Contact the Other Driver (2021)
Finding auto insurance companies that don't contact the other driver is difficult since most are supposed to. If you do not have a full coverage auto insurance policy, you will have to deal with the other driver's auto insurance company. To find the best auto insurance from companies that don't contact the other driver, compare rates from a few different companies.
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UPDATED: Sep 22, 2021
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- There are not many auto insurance companies that don’t contact the other driver
- If you do not have a full coverage auto insurance policy, you will have to deal with the other driver’s auto insurance company
- You are not legally required to contact the other driver’s insurance company; however, there are instances in which you should consider contacting them
Getting into a car accident is scary, and dealing with insurance companies is a hassle. It is especially inconvenient to talk with an insurance company when you are the driver at fault.
Unfortunately, there are not many auto insurance companies that don’t contact the other driver in the event of an accident. If you are not the driver at fault, this saves you and your insurance provider money. However, at-fault drivers can expect auto insurance rates to increase after an accident.
While it might be hard to compare rates from auto insurance companies that don’t contact the other driver, shop around to find the best deal for you.
Keep reading to learn more about which auto insurance companies don’t contact the other driver and the best auto insurance companies that do contact the other driver.
Before learning more about insurance companies that don’t contact the other driver, enter your ZIP code now to compare free quotes today.
Are there auto insurance companies that don’t contact the other driver?
Most insurance companies contact the other driver after an accident because they prioritize spending the least amount of money possible.
All insurance companies are constantly looking for ways to save money on claims. This is why you usually have to have a conversation with the claims adjuster for the adverse provider after an auto accident.
The purpose of a phone call with a claims adjuster is to gather information to use against you to offer you less money or to get you to admit fault. Insurance companies are overloaded with claims and offering you the least amount of money possible is in their best interest.
Because auto insurance providers have more claims to go through than they can manage, their top priority is to save money by minimizing claims. The density of claims is an intentional design to reduce money and any further claims.
Due to the massive influx of claims, the driver not at fault often has to initiate a claim with the adverse company or wait a while before the company attempts to contact.
In this case, it is helpful to know when and how to contact the other driver’s insurance company.
Do I contact the other driver’s insurance? You are not legally required to contact the other driver’s insurance company. However, if the driver was clearly at fault and has lied to or refused to speak with their insurance, you should consider contacting them.
Additionally, if the accident was minor, it is not likely that your attorney or auto insurance representative will speak with the other driver’s insurance. In this situation, you will have to talk with them to settle the claim.
Before you get into an accident and have to deal with insurance companies, make sure you have the right coverage. Understanding the different types of auto insurance coverage and comparing rates from multiple companies will help you in your search.
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What do I do if the other driver’s auto insurance company won’t call me?
Usually, the reason an insurance company cannot contact the other driver in an accident is that they are bogged down with claims.
If auto insurance companies can save money by not filing a claim, they will. This leaves a lot of drivers not at fault responsible for contacting the adverse company, and there’s no guarantee that the company will call you back.
Should I contact the other driver’s insurance? In the event that you are in an accident and the other driver is at fault, it is a good idea to initiate contact with the other driver’s insurance company. Otherwise, you may not know when or if they will reach out.
If you have to deal with auto insurance companies that don’t contact the other driver in the future, there are a few ways by which you can get the coverage you need.
You may choose to file a claim through your own insurance company, but you will most likely have a deductible. However, if there is no dispute as to liability for the damage, you will get your deductible back from the other driver’s insurance company.
If your current auto insurance policy is a full coverage policy, you have some more options as to how the property damage and potential rental vehicles are handled. But, if you do not have a full coverage auto insurance policy, you will have to deal with the adverse company on liability.
Sometimes the other company refuses to return drivers’ phone calls. In this case, drivers either choose to keep trying until their call is returned or they let their auto insurance company handle the claim for them.
Other times the best option, especially with minor accidents, is to settle an auto accident without an insurance company. This is easier for everyone involved, given there are no bodily injuries and damages are minimal or nonexistent.
Do insurance companies talk to each other? In cases where a claim needs to be settled, auto insurance companies do share information. However, they will not exchange car or claims history records with another company for underwriting purposes.
If you are looking to buy auto insurance from companies that don’t contact the other driver, be sure to compare multiple rates from different companies. This will give you the best auto insurance coverage.
Auto Insurance Companies That Don’t Contact the Other Driver: The Bottom Line
Finding auto insurance companies that don’t contact the other driver is harder than finding companies that do.
Usually, auto insurance companies are supposed to contact the other driver. However, there are many times when the driver not at fault will have to contact the other driver’s insurance company about a claim.
If the other driver’s insurance company will not get in contact with you, then going through your auto insurance provider is your best option.
Before you buy auto insurance, shop around for the best auto insurance rates from auto insurance companies that don’t contact the other driver.
Compare auto insurance quotes from auto insurance companies that don’t contact the other driver and from ones that do. You might find a reputable provider that can offer you affordable rates.
Start your search for affordable auto insurance from companies that don’t contact the other driver today. Enter your ZIP code to compare quotes from companies in your area for free.