If Someone Rear-Ends You, Whose Insurance Do You Call?
Getting rear-ended is a common occurrence on the road, and it can be a stressful experience. If you’re ever in this situation, it’s important to know what to do. One of the first things you need to do is figure out who you need to call about insurance. In most cases, you’ll need to call your own insurance company, even if the other driver was at fault. Your insurance company will be able to help you file a claim and get your car repaired or replaced.
There are a few exceptions to this rule. If the other driver was clearly at fault and they have admitted liability, you may be able to file a claim with their insurance company directly. However, it’s always best to check with your own insurance company first to see what they recommend.
What to do if you are rear-ended in Rhode Island
Rhode Island is a no-fault state, which means that drivers are required to file claims with their own insurance companies regardless of who was at fault for the accident. However, there are some exceptions to this rule. If the other driver was clearly at fault and they have admitted liability, you may be able to file a claim with their insurance company directly.
Here are the steps you should take if you are rear-ended in Rhode Island:
- Pull over and check for injuries. If you or anyone else is injured, call 911 immediately.
- Exchange information with the other driver(s) involved in the accident. This includes your name, address, phone number, insurance information, and license plate number.
- Take photos of the damage to your vehicles and the scene of the accident.
- File a police report. This is required by law in Rhode Island if there is any property damage or injuries.
- Call your insurance company to report the accident.
What to do if you are rear-ended in a different state
If you are rear-ended in a state other than Rhode Island, the laws may be different. In most cases, you will need to call your own insurance company to file a claim. However, there are a few states that have no-fault laws. In these states, drivers are required to file claims with their own insurance companies regardless of who was at fault for the accident.
Here are the no-fault states:
- Florida
- Hawaii
- Kansas
- Kentucky
- Michigan
- Minnesota
- New Jersey
- New York
- North Dakota
- Pennsylvania
- Utah
- Washington
If you are rear-ended in a no-fault state, you will need to file a claim with your own insurance company, even if the other driver was at fault. Your insurance company will be able to help you get your car repaired or replaced.
Tips and expert advice
Here are a few tips and expert advice on what to do if you are rear-ended:
- Stay calm and don’t admit fault to the other driver.
- Call the police and file a report.
- Take photos of the damage to your vehicles and the scene of the accident.
- Exchange information with the other driver(s) involved in the accident.
- Call your insurance company to report the accident.
- Don’t sign any documents or agreements with the other driver or their insurance company without first talking to your own insurance company.
By following these tips, you can help protect yourself and your rights after a rear-end collision.
Commonly Asked Questions
Q: What should I do if I am rear-ended by a driver who is uninsured or underinsured?
A: If you are rear-ended by a driver who is uninsured or underinsured, you may be able to file a claim with your own insurance company under your uninsured/underinsured motorist coverage. This coverage is designed to protect you in the event that you are hit by a driver who does not have insurance or who does not have enough insurance to cover your damages.
Q: What should I do if I am rear-ended and the other driver flees the scene?
A: If you are rear-ended and the other driver flees the scene, you should call the police immediately. The police will be able to help you track down the other driver and file a report. You should also file a claim with your own insurance company as soon as possible.
Conclusion
Getting rear-ended can be a stressful experience, but it’s important to know what to do. By following the tips in this article, you can help protect yourself and your rights after a rear-end collision.
Are you interested in learning more about what to do if you are rear-ended? If so, you can visit the following websites for more information:
