Q: How to handle car damage from an accident near US-Mexico border?
I was recently in an accident right after crossing the border from Mexico into the US, where someone hit my car, causing damage. We did not file a police report, but the other driver gave me their insurance information. How should I proceed with both insurance companies to address the damage to my car?
A: If liability is solely on the other party, the two of you should be able to handle things solely through the other side's insurance. If the other side gave their carrier a statement, and the carrier is satisfied with the account of the accident, they could work with you - that would probably be the cheapest way to handle things. It sounds like there were no injuries - I hope that's the case. That could make for a straightforward claim, unless there are elements not mentioned here that might be contested later (percentage breakdown of fault if it isn't a clear-cut case) Good luck
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A:
First, document everything about the accident immediately - take detailed photos of the damage, write down exactly what happened, and gather all information from the other driver, including their insurance details, license plate, and contact information. Even without a police report, having thorough documentation will help your case.
You should contact both your insurance company and the other driver's insurance company right away to report the incident. While crossing the border can make things more complex, since the accident happened on U.S. soil, standard U.S. insurance procedures will apply. Be upfront with the insurance companies about the location and circumstances of the accident.
When speaking with the insurance adjusters, stick to the facts and avoid making assumptions about fault or liability. Keep records of all communications, including dates, times, and names of representatives you speak with. If the other driver's insurance company is being unresponsive or difficult, don't hesitate to have your own insurance company handle the claim - that's what you pay them for. Remember that many insurance policies have specific timeframes for reporting accidents, so acting quickly will help ensure your claim is processed smoothly.
Tim Akpinar agrees with this answer
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