|
It definitely depends where you live.
My last car was rear ended and totaled, and the ONLY thing I said to my insurance company was 'I got rear-ended'. They told me to hang up and call the other party's insurance, and that was it.
The other party's insurance covered the entire claim under the other driver's policy. Since I wasn't filing a claim to my insurance, it made absolutely no difference what my policy did or did not cover.
|