How do I handle a claim if I cause an accident?
If you own your vehicle and have collision insurance, you will file a first-party claim with your insurance company. It may issue a check either to you, the shop that repairs your vehicle, or both of you. If you have a lease or a loan, the lending institution maybe named on the check. Of course, you will also have to pay your deductible. If other vehicles were involved, the insurance company will settle with the other drivers and you probably won’t be involved
