If you are in a car accident with another car and you find the driver has the same car insurance as you do, things will work a little differently when you make a claim. Below is some more information about this, as well as the advantages of being in a situation like this. Even though things should go smoothly for you, if you find that you are going to have problems, you should contact a car accident attorney, like the professionals at Alexander Law Group, to deal with the insurance company for you.
How Your Insurance Company Should Handle Your Claim
Your insurance company should handle your car accident just like they would any accident: they should look at each driver separately. The insurance companies must be careful, however, because there could be a conflict of interest. For example, this could happen if the insurance company only uses one adjuster to process each claim. To prevent this from happening, you and the other driver will likely have different adjusters.
When the adjusters are finished they will go over their reports with each other to determine who caused the accident. If they both agree, the adjuster that is processing the claim for the driver that is found to be at fault will take over the claim process. The adjuster will ensure the other driver is provided compensation according to what is set on their insurance policy.
If the adjusters cannot come to an agreement on who is at fault, they will treat the claims separately as if they worked for a different insurance company.
Benefits of Having the Same Car Insurance
There are some benefits of each driving having the same car insurance. Working with an adjuster at your insurance company is much easier than working with one at a different insurance company. The adjuster may also take care of you quicker because you are a customer.
The insurance company will also make sure they take good care of you so they do not lose your business. The claim may also get processed much faster when compared to a claim with two different insurance companies. This will allow you to get your car back on the road or get into a new car.
If you contact a car accident attorney they can go over the process with you in more detail. The attorney can also work with your adjuster to ensure they come to the right conclusion as to who was at fault for the accident.