Whose Insurance Do I Call When Someone Hits My Car?

Find out what to do if someone hits your car and whose insurance you’ll need to call in Savvy’s guide.

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, updated on February 16th, 2024       

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Car Insurance Banner - Two cars on the road after an accident

If someone hits your parked car or collides with you on the road and is entirely at fault, the insurer you’ll have to call will depend on the level of coverage you currently have. Find out when you should contact your insurer and when you should reach out to the at-fault driver’s, as well as what to do if you or the other driver is uninsured, in Savvy’s helpful guide.

Someone hit my car. Whose insurance do I call?

The car insurance company you’ll have to contact after a not-at-fault accident will depend on the level of coverage you have in place. If you hold a comprehensive car insurance policy, you can contact your insurer to claim for damage. However, if you have third party fire and theft or third party property damage cover, you may need to submit your claim with the at-fault driver’s insurer, as these policies don’t offer cover for accident damage.

When you contact the insurer, be prepared to provide them with all the relevant details of the accident, including the other driver's information, the time and location of the incident and any photos or documentation you may have. The insurer you’re dealing with will guide you through the next steps and advise you on the necessary documentation required for the claim.

If the other driver is uninsured, most car insurance policies will offer cover for damage caused by an uninsured driver. However, this is often contingent on the driver being identified and having the required information obtained from them, so if you don’t take down their information, you may be left to foot the bill yourself if you have a third party policy.

What steps should I take after someone hits my car?

If someone hits your moving or parked car in an accident, follow these essential steps to ensure your safety and protect your interests after a car accident:

  1. Ensure safety: check for injuries and call emergency services if needed. Move your vehicles to a safe location, if possible, and turn on hazard lights.
  2. Gather information: obtain details from the other driver, including their full name, contact information, address, car registration and insurance details. Also, note down the make and model of their vehicle.
  3. Document the scene: take photos of the accident scene, vehicle damage and any contributing factors like road conditions or traffic signs.
  4. Determine whether there are any witnesses: check if there was anyone around to witness the accident and obtain their contact details.
  5. File a police report: in some cases, such as when damage to your car is significant or if the at-fault driver drove off, you may need to report the accident to the police. If legal action is required, a police report can be crucial.
  6. Contact your insurance company: call your insurance company (if you have comprehensive coverage) or the other driver’s insurer (if you have another form of insurance) as soon as possible to report the accident and start the claims process.

What should I do if someone hits my car and I don’t have insurance?

If you don’t have car insurance but aren’t at fault for the accident, you’re still entitled to cover for the damage caused to your vehicle. In this situation, you should file a claim with the other driver’s insurer.

However, the situation becomes complicated when neither you nor the other driver has car insurance. In this situation, you may have to settle the costs between you. If this isn’t possible, such as if the at-fault driver refuses to pay, you’ll either have to pursue legal action (which in itself can be expensive and time-consuming) or simply pay the costs out of pocket.

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