Should I Call My Insurance First or the Other Driver’s?

Find Law Fast Team
Jun 2
2 min read

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.

1. Why You Should Call Your Own Insurance First

Even if you weren’t at fault, it’s almost always best to notify your own insurance company right away. Why?

Policy Requirement: Most insurance contracts require prompt notice of any accident.
Protection Against Delays: If the other driver drags their feet, your insurer can step in.
Coverage Options: Depending on your policy, your insurer may cover medical bills, repairs, or rentals upfront, then seek reimbursement from the other party.

By calling your insurer, you create a record and keep yourself covered.

2. Contacting the Other Driver’s Insurance

In some cases, the at-fault driver’s insurance will ultimately pay for damages. But there are risks if you contact them first:

Adjusters Protect Their Company: Their job is to save money, not help you.
Recorded Statements: Anything you say could be used to minimize or deny your claim.
Pressure Tactics: They may rush you to settle quickly — often for less than you deserve.

It’s better to let your insurer or an attorney handle direct communication whenever possible.

3. Why Timing Matters

Delaying insurance contact can cause problems:

Your policy may not cover late-reported claims.
Missing deadlines can hurt your case.
Lack of documentation leaves gaps insurers can exploit.

A prompt call gives you the best chance to control the process.

4. What to Say (and Not Say) to Insurance

When you call your insurer:

Stick to the facts. Date, time, location, and basic details.
Don’t admit fault. Even casual comments like “I didn’t see them” can be used against you.
Avoid guessing about injuries. Simply say you’re seeking medical evaluation.

Less is more — let the professionals sort out the details.

The Bottom Line

After a crash, the safest move is to call your own insurance first. They’ll document the accident, explain your coverage, and step in if the other driver’s insurer tries to dodge responsibility.

👉 If you’ve been injured in a car accident and aren’t sure what to do next, fill out our quick questionnaire. FindLawFast will connect you with the guidance you need.

Disclaimer: This article is for general informational purposes only and should not be taken as legal or financial advice. Insurance coverage and claims vary by policy and state. Always review your policy and seek professional guidance for your specific situation.