A woman from Florida recently shared advice on TikTok about what to do after a car accident. Her video went viral because many people were unaware of this information. The TikTok user @incasethemayanswe posted her warning last month and made her message very clear.
According to Motor1, she says that if you are in a car accident that is not your fault, you should avoid calling your own insurance company. She learned this lesson the hard way and now wants others to avoid making the same mistake. The 31-year-old said she only discovered this information recently.
She explains that when another driver causes the accident, you do not need to contact your own insurance company to file a claim. Instead, you should call the other driver’s insurance company directly and file the claim with them. Doing so can help prevent issues later.
Her insurance costs rose even though she wasn’t at fault
The woman shared her personal experience to explain why this is important. After an accident that wasn’t her fault, she contacted her own insurance company to file a claim. Although she received payment for the damages, there was a downside. Her monthly insurance premium increased sharply, and the accident remained on her insurance record.
When she was involved in another accident more recently, she handled it differently. She first called her insurance company just to ask what steps she should take. A representative advised her to contact the other driver’s insurance company instead. She followed that guidance and filed the claim with the other insurer.
This time, the outcome was much better. She received payment for the damages, and her insurance rates did not increase. Her warning video has been viewed more than 1.6 million times as of Monday, with many commenters thanking her for sharing the advice. Car owners who have dealt with repair disputes and costly mistakes understand how critical proper documentation can be.
Still, some viewers noted that situations can be more complex. Several people said they had to contact their own insurance company when the other driver failed to provide insurance details at the scene.
Others pointed out that insurers may still need to be notified even when you are not at fault. One person advised her to seek legal help, saying, “It’s illegal for your insurance company to raise your bill if it’s not your fault so I would get a lawyer”.
In some cases, it can be wise to inform your own insurance company so they can help manage communication. The other driver’s insurer works to protect their client, not you. Your own insurance company or a lawyer can help safeguard your claim if there is later disagreement about fault. Insurance issues, like many complex policies, often require careful consideration.
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