In most states, when an accident occurs, one party is generally considered to be at fault and must cover the injuries of the other driver and their passengers. In some states, known as no-fault states, medical bills are covered by each driver's individual personal injury protection (PIP) coverage, rather than the at-fault driver's insurance. If you live in a state where there is fault, the insurance of the person responsible for the accident can help you pay for property damage and bodily injuries. If you live in a no-fault state, the driver's insurance company will only cover property damage.
To get coverage for your injuries in a no-fault state, you must file a claim with your insurance company. If you have medical payments coverage or personal injury protection coverage, it can help you pay your lost wages and medical bills beyond what your health insurance covers, up to your limits. If you file a third-party claim yourself, you can create an at-fault party's insurance account and access their online claims portal, where you can file your claim and track the progress of the claim. If you have a car accident caused by someone else, you can file a third-party claim with the other driver's insurance to cover expenses related to the accident.
Otherwise, simply call the other party's insurer to file your claim using the information your insured provides you with about their car insurance. Your insurance company will stop charging you for the accident after a certain number of years (the duration varies by insurer and state). A no-fault insurance status requires drivers to have PIP coverage so that some or all of their medical expenses resulting from a car accident are covered by their own insurance, regardless of who is at fault. Insurance companies generally consider several years of your driving record to determine the rate of your car insurance.
You can also purchase Progressive Accident Forgiveness when you purchase your Progressive policy for the first time or during the policy renewal. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation or exclusion that is expressly stated in any insurance policy. Progressive customers automatically get minor accident forgiveness in most states for free as soon as they start their Progressive policy. According to the Insurance Information Institute, there are currently 12 no-fault insurance states that require PIP coverage.
After a car accident, the first steps are to ensure everyone's safety, report the accident to the police, exchange insurance information with the other driver, and start the insurance claim process. Although you won't submit the claim to your insurance company, call your insurer as soon as possible to report what happened. The amount of time an accident stays on your driving record, which can be used to determine your auto insurance rate, can vary by state and insurer. Often, they will file the claim with the driver's insurance company on your behalf, after working with the other insurer to determine fault.