What to Do if a Family Member on the Same Policy Hits Your Car

Accidents happen, even within families. If a family member hits your vehicle and you’re both covered under the same policy, it’s important to know how to handle the situation to minimize stress and ensure a smooth claims process.

Here’s what you need to do:

1. Assess the Damage and Ensure Safety – First, check for any injuries and ensure that everyone involved is safe. Move the vehicles to a safe location if possible, and document the damage with photos from multiple angles.
2. Contact Your Insurance Provider – Even though both vehicles are insured under the same policy, you’ll need to report the incident to your insurance provider. Most policies treat this situation like any other accident, and the claims process will depend on your coverage terms.
3. Understand Your Deductibles and Coverage – When the accident involves two vehicles under the same policy, the insurance company may handle the situation similarly to any other claim. For instance, the driver at fault may activate their liability coverage to cover the damage to the other vehicle. Comprehensive or collision coverage for the damaged vehicle may also apply, depending on the specifics of your policy. Review your policy documents or ask your agent to clarify which coverages and deductibles apply.
4. Avoid Playing the Blame Game – It’s natural to feel frustrated, but try to remain calm. Avoid assigning blame or arguing over fault. The insurance adjuster will investigate and determine fault based on the evidence.
5. Plan for Premium Changes – Accidents involving family members can impact your insurance premiums, as they are often treated like any other at-fault accident. Ask your insurer about potential increases and explore ways to offset higher costs, such as discounts or safe-driving programs.
6. Learn From the Experience – Handling a family accident with care and clear communication can turn an unfortunate incident into a learning experience, ensuring better preparedness for the future. Treat this as an opportunity to review your insurance policy and consider whether your coverage still meets your family’s needs. Contact Cinco Seguros to find out more.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.