You’re driving down the road when another driver blows through a stop sign and collides with the side of your car. You call the cops after checking to see if the people in the other car are safe. When sharing details with the other driver, you discover that they have the same car insurance company as you, which leaves you wondering: How can I make a claim if the other driver has the same insurer? Is there something unusual about the procedure? If so, how can you go about doing it?Learn more by visiting The Clark Law Office
Check out the answers to these questions, as well as tips on how to make sure you’re reasonably paid, in the sections below.
If all drivers are clients, how do insurance companies treat accidents?
In a perfect world, an insurance firm would treat auto accidents involving two of its clients the same way it would any other car accident: fairly and responsibly. However, we do not live in a perfect universe, and insurance firms have been caught providing inadequate coverage to consumers in the name of profit.
When two drivers have the same insurance company and have a car accident, the insurance company must treat the situation carefully to prevent a “conflict of interest.” To do so, most insurance agencies may assign a separate adjustor to each driver. The theory is that after both adjustors have assessed fault, they will separately assess the allegation and responsibility of the accident and report their conclusions to each other.
When all adjustors accept that one of the drivers is to blame, the adjustor in charge of the at-fault driver will continue to process the claim and pay the other driver according to their insurance policy.