Whenever you are involved in an accident, your insurance company needs to know, even if they will not end up paying anything for it. Reporting the claim helps them protect their financial interests in your accident. If for some reason the at-fault individual's insurance company does not want to pay for your damages your insurance company will be aware of the situation and know what steps to take next. The News Article of Accident: What To Do may help explain more about who all should be contacted after any incident.
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