Best Auto Insurance Companies That Don’t Contact the Other Driver (2022)

When you get into an accident, knowing what to do is important. There are many affordable auto insurance companies that don’t contact other driver, and in most cases, you won’t have to talk to the other driver’s auto insurance company either. If you aren’t found at fault after an accident, your rates typically won’t increase, but can in some situations.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jan 10, 2022

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What You Should Know

  • Very few auto insurance companies will contact the other driver involved if you are in an accident
  • If the other driver’s insurance company contacts you, you are not required to give any information about the accident
  • If you want to file a claim against the other driver involved, gathering evidence for the claim can be helpful

After you are in a car accident, talking with the other driver’s insurance company is not advisable. Some insurance companies may try to get you to admit fault even when the car accident is not your fault.

So what are the best auto insurance companies that don’t contact the other driver? And do you have to notify your insurance company of an accident?

Keep reading to get all the information you need on finding the best auto insurance company for you.

Before you buy auto insurance from companies that don’t contact the other driver, enter your ZIP code to get free quotes from the top auto insurance companies in your area.

Are there any auto insurance companies that don’t contact the other driver?

Fortunately, most car insurance companies don’t contact the other driver in the case of an accident.

Insurance companies have access to the police reports and will go over the accident with you, but in most cases, your insurance company will not be able to contact the other driver involved directly.

Likewise, the insurance company of the other driver will not normally contact you and even if you are contacted, you are not required to speak about the accident. Doing so might let them trick you into admitting fault regardless of whose was at fault for the accident.

If for any reason you need to contact the other driver’s insurance company, it’s best to talk to your insurance company first to see where to go from there.

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How to File an Insurance Claim Against the Other Driver

Because of the potential repercussions of not reporting an accident, you are required to report every car accident you are in regardless of who is at fault.

To file a claim against the other driver involved in the accident, you’ll first have to contact your insurance company. In most cases, you will be required to answer questions about the accident and provide details.

In these cases, it’s always good to gather evidence for your car accident claim so things are resolved quickly and fairly.

After filing a claim, your insurance rates will likely go up if you were labeled at fault. However, even if you aren’t at fault, your rates can still go up in some cases.

The Bottom Line

If you are in an accident, you typically won’t have to worry about your insurance company contacting the other driver involved.

If the other driver’s insurance company tries to contact you, you aren’t required to discuss any details of the accident.

Depending on the specifics of the accident, your insurance rates may go up even if you aren’t found at fault.

Comparing different auto insurance companies and policies can help you find the best coverage and rates from auto insurance companies that don’t contact the other driver.

Looking for affordable auto insurance? Enter your ZIP code for free quotes from auto insurance companies that don’t contact the other driver.

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