yes, you better called the police officer right after the accident happened. and get his ( the at-fault person) contact information/ insurance info
2 options to file a claim:
1. You may call his insurance company to claim. They will give you a claim case number, so you can check by this # later. It might take them several days to investigate. But once they have set up the claim case, they will surely contact you. Don't worry.
If the vehicle is not drivable now, you would also let them know, they are supposed to give you a rental car.
2. You can contact your own carrier, if you have the " comprehensive"/ "collision" coverage. They will probably let you rent a car first (if you have "rental" coverage); then either have the vehicle repaired or issue you a check.
Then they will turn around to the insurance company of the at-fault side to get money back. That is called "subrogation".
Either way works
2 options to file a claim:
1. You may call his insurance company to claim. They will give you a claim case number, so you can check by this # later. It might take them several days to investigate. But once they have set up the claim case, they will surely contact you. Don't worry.
If the vehicle is not drivable now, you would also let them know, they are supposed to give you a rental car.
2. You can contact your own carrier, if you have the " comprehensive"/ "collision" coverage. They will probably let you rent a car first (if you have "rental" coverage); then either have the vehicle repaired or issue you a check.
Then they will turn around to the insurance company of the at-fault side to get money back. That is called "subrogation".
Either way works
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