If another driver caused your accident, there may be a claim against that driver or their insurer. You should still notify your own insurer promptly and preserve evidence. Responsibility and payment must be assessed.

Gather evidence of the event

Record the other driver’s details, insurer, registration and witnesses. Photograph damage and surroundings when safe. Keep any police reference and write a factual description. Avoid assuming responsibility is settled merely because someone apologised.

Ask about claiming under your own policy

If you have suitable comprehensive cover, your own insurer may handle an accepted own-damage claim and seek recovery separately. Ask about the excess, NCD implications and authorisation. Do not assume this route is available under third-party-only cover.

Understand a third-party demand

A demand to the other party’s insurer requires evidence and assessment of liability and loss. Provide repair estimates or valuation evidence as requested. Avoid repairing or disposing of evidence without first understanding inspection requirements.

Keep settlement decisions informed

Before signing a release, understand what losses it settles and whether further claims are excluded. Ask for a written explanation of disputed liability or deductions. If the matter remains unresolved, consider advice on the available dispute process.

Frequently asked questions

Will the other insurer pay immediately?

Not automatically. It must assess responsibility, cover and the loss.

Do I need to tell my insurer if I claim elsewhere?

Yes, notify promptly and follow your policy’s reporting requirements.

Discuss your motor insurance options

Discounted Premium Ltd can help you understand the available options and request a quotation for your circumstances. Have your vehicle details, intended use and driver information ready. Visit us at 42 Cork Street, Roseau, Dominica, or call 235-8294 or 818-7736. Message us on WhatsApp.

Related reading

Preparing a motor insurance quotation · Types of motor insurance

Earlier in this series

What Is an Insurance Excess or Deductible? · Do You Need a Police Report After a Car Accident? · How Much Does Car Insurance Cost in Dominica? – 2026 Guide

This article provides general information. Cover, eligibility and claims depend on the insurer’s accepted terms, policy conditions, exclusions, limits and deductibles. Illustrative figures are not quotations or promises of settlement.