Filed under auto insurance claims questions.
How can I settle my car accident claim without the insurance company?
If you are in a situation where the accident was not your fault, you don’t have to file a claim with your insurance provider. You can have the other party file against their insurance provider. This person will also have to cover the cost of the deductible.
You will have to settle the question of where to bring the car for repairs. You can insist on your choice of repair shop but you should provide the other party with at least 2 options as a general courtesy.
In case the other party is at fault but does not have insurance, you will need to request for a cash settlement rather than file a claim and pay a deductible to your insurance company.