How To File an Auto Insurance Claim in Louisiana

Reader’s Question:

I am quite confused on how auto insurance claims works here in Lake Charles, Louisiana. If let’s say I am involved in a car accident and it was established that it was not my fault therefore it is the other driver’s fault. Where should I file the claim? Would that be with my auto insurance company? Or the other driver’s car insurance company?

Toby

Lake Charles, LA

In general, a person involved in a car accident can file for a third party claim at the other driver’s car insurance company through property damage liability coverage. In addition, you can also opt to file for a first party claim through your own auto insurance collision policy. The damage incurred will only be covered by one auto insurance company – either your own or the other party’s auto insurance company.

The good thing about filing a third party claim is that you don’t have to worry about paying for a deductible or even have the said incident put under your claims history. If you opt to file the claim at the other driver’s car insurance company, I would suggest you also inform your own insurer. By doing this, if ever there is a need for you to file the claim from your own car insurance company in Lake Charles, your own insurer would be aware of the incident and be prepared to take your auto insurance claims.