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What's the procedure for submitting a claim with an insurance company?

My car was hit in a parking lot over the weekend in Louisiana. I exchanged information with the person that hit me, and explained to him that I would obtain some estimates after returning home. I also requested that we call the police to obtain a police report just in case I needed proof. The at fault party wants to take care of this without involving his insurance company if possible. Do you think it's a good idea, or should I just go through the insurance company? And if so, what should I expect from his insurance company?

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Attorney answers (1)

Reputation Level 11
If you have several estimates, you may want to tell the other party that you will accept full payment for the middle estimate as settlement. However, I would not let him/her toy with you for very long. At the first sign that he/she is starting to argue about the costs of the estimate, I would make a claim with the insurer.

To begin a claim, Google the insurer and you will find a phone number to make a claim. Make sure you have all of the information with you as the insurer will typically ask for a good deal of information when filing the claim.

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