Do I have to File a Claim with My Insurance Company if I Wasn’t at Fault for the Auto Accident
Attorney Tyson Mutrux describes in this video whether you have to file a claim with your insurance company if you weren’t at fault for the auto accident.
Tyson Mutrux: Hi, Tyson Mutrux here with the Mutrux Law Firm. Today we’re discussing whether your insurance company has to get involved after you’ve been involved in an auto accident. The answer to that question if you’re not at fault is usually no except for a couple of exceptions that I’ll talk about in a second. But if someone else is at fault, you’re going to go after their insurance company, not yours.
Now if you’re at fault, obviously, your insurance company is going to get involve. Now in instance where you’re not at fault but you want to get your insurance company involved is if you have medical payments insurance, it’s sometimes called med pay. It’s an additional coverage that usually pay for and it’s not going to hurt you for filing a claim. They’re not going to hold that against you and raise your rate.
Another one is uninsured motorist coverage. Let’s say someone else is at fault, they don’t have insurance, every policy in Missouri and Illinois has uninsured motorist coverage so you’ll be able to recover. It’s not going to raise your rates.
The last one is underinsured motorist coverage. Let’s say that someone else has a minimum policy of $25,000 and you’ve got a lot of medical bills and you have underinsured motorist coverage which if you don’t have, I recommend you getting it. That’s where you could file a claim with insurance company.