Should I File a Claim if I'm Not at Fault?

Yes, you should report the incident to Alset Insurance even if you're not at fault.

Here's why reporting matters and how we can help.

Why Report When You're Not at Fault

We Advocate for You
- We can communicate with the other driver's insurance
- We ensure your rights are protected
- We help navigate complex situations

We Can Start Repairs
- If you have collision coverage, we can begin repairs immediately
- You don't have to wait for the other insurer to accept liability
- We'll pursue reimbursement from them

Documentation Protection
- Having a record protects you if stories change
- Witnesses may become unavailable
- The other driver's story may shift

Potential Coverage
- You may have coverage for injuries or expenses
- Uninsured/underinsured motorist coverage may apply
- Medical payments coverage works regardless of fault

What Happens When You Report

1. We confirm your coverage and available benefits
2. We contact the other parties and their insurance
3. We determine liability based on evidence
4. We coordinate repairs through your policy or theirs
5. If you use your collision coverage, we pursue your deductible back

Using Your Own Coverage

If you use your collision coverage when not at fault:
- Repairs start immediately
- You pay your deductible upfront
- We pursue reimbursement from the at-fault driver's insurance
- When successful, you get your deductible back

What About My Rates?

Filing a not-at-fault claim generally doesn't increase your rates. Rate increases typically only apply when you're determined to be at fault.