After a car accident, one of the biggest questions is: “Whose insurance should I use?” Do you file a claim with your own insurer, or go directly through the other driver’s company? The answer isn’t always straightforward — and making the wrong move can delay your claim or cost you money. Here’s how to figure out which policy to lean on after a crash.

Car accidents are stressful enough — but many drivers have one extra worry: “Is my insurance premium about to skyrocket?” The answer depends on several factors: who was at fault, your driving history, your insurer’s rules, and even your state’s laws. Here’s what you need to know about how an accident can affect your rates.

After a car accident, time starts ticking — and not just for your health or car repairs. Every insurance policy comes with deadlines, and missing them could cost you your entire claim. The problem is, most people don’t know exactly how long they have to file. Some wait too long, thinking they’re fine, while others rush without the right documentation. Here’s what you need to know about insurance claim deadlines.

After a car accident, one of the first things on your mind (after making sure everyone is safe) is insurance. But the big question many people ask is: “Who do I call first — my insurance company or the other driver’s?” It may seem like a small detail, but the choice can affect your claim, your coverage, and even your financial recovery. Here’s what you need to know before you pick up the phone.