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What To Do If Hit By A Driver With The Same Insurance?

Accidents are unpleasant experiences involving medical aid, gathering evidence, police reporting, and informing insurance agents. You should keep calm, seek professional advice, and observe the condition as you pass through the complexities. While dealing with the aftermath of a car crash is complex, any additional complication, such as delays in insurance claims, can be overwhelming. If you and the other driver in a collision have the same insurance company, you might be worried about how the authorities will handle your claim. Read on for advice on what to do if a car accidents involving drivers with the Same Insurance hits you. We suggest you contact our qualified car accident attorneys at Phillips Law Offices if you suffered losses in a car accident in Chicago, Illinois.

What if both drivers have the same insurance company?

If both drivers involved in an accident have the same insurance company, the insurance company will typically handle the claim in a similar manner to any other accident. The insurance company will investigate the circumstances of the accident and determine liability based on the policy terms and the evidence available. They may assign separate adjusters to handle each driver’s claim and evaluate the damages accordingly. The insurance company’s goal will be to resolve the claim fairly and efficiently, ensuring that both drivers are compensated for their losses according to the terms of their insurance policies.

Complexities involved with the same insurance

The insurance claims process can become more complicated when drivers involved in an accident have the same insurance. These difficulties may result from coverage restrictions, fault assessment, subrogation, coverage gaps, and claims processing. Drivers should communicate with their insurance provider and understand the company’s policies regarding handling such situations. To protect your rights and ensure a fair resolution, seek legal counsel from our personal injury attorney in Chicago. Let’s delve deeper into these complexities involved with the same insurance providers.

Coverage limitations

Firstly, when both drivers have the same insurance, coverage limitations are a cause of concern. Despite the same insurance provider, their policies may have different terms and coverage limits. Each driver’s policy will specify the specific coverage amounts for various claims, such as property damage, bodily injury, or medical expenses. If the accident causes damages that exceed the coverage limits of one or both policies, it could lead to disagreements and potential liability issues. In such cases, the drivers may have to use their resources to cover the remaining accident-related expenses.


Subrogation is another crucial factor that complicates the insurance process. It refers to the process where an insurance company seeks reimbursement from the at-fault party for a claim it pays to its policyholder. When both drivers have the same insurance policy, the insurer may have to navigate internal processes to determine how to handle subrogation. This process allows companies to recoup their amount and prevents policyholders from profiting financially from the same loss twice. It involves coordination between various departments within the insurance company and may lead to delays in claim settlement. To avoid additional complications, the insurer must ensure that the subrogation process is fair and efficient.

Coverage Gaps

An insurance coverage gap can exist even when both parties involved in an incident have the same insurance provider. While they have the same insurer, their policies may have different coverage limits, deductibles, endorsements, and exclusions. For instance, one of the drivers may have extra insurance to cover rental cars or medical costs that the other does not. As a result, one party might have coverage for a specific loss or damage while the other does not. To be aware of potential coverage gaps, drivers must review their insurance policies and comprehend the terms and conditions. Directly speaking with the insurance company can also help clarify the scope of coverage and address any issues specific to an incident.

Fault Determination

When both drivers have the same insurance, determining fault becomes more challenging. Insurance companies often conduct a thorough investigation to determine who was at fault in the accident. However, when both drivers seek compensation from the same company, there may be a potential conflict of interest. Since there may be suspicions of bias or attempts to minimize claims to protect their financial interests, the insurance company may have difficulty assessing liability impartially. This conflict of interest may complicate the claims procedure and lead to disagreements between the insurer and the affected drivers.

Claim processing

Insurance companies handle claims according to standard guidelines and established protocols. It may take extra work to avoid conflicts of interest and uphold objectivity throughout the process when both drivers have policies from the same insurance company. Effective communication between the drivers, insurance agents, and the insurance company is essential for the claims process to be quick and easy. To handle each policyholder’s claim fairly and adequately represent their interests, the insurer may need to designate different adjusters for each claim settlement. Understanding the claims procedure, giving accurate information, and complying with the insurer’s requests can all quicken the process.

Both drivers have the same insurance company
Both drivers have the same insurance company

Resolution tips for claiming from the same insurance

Whether or not both parties have the same insurance provider, the process is the same. Each party will report the accident to their insurance company, provide the required information, and seek compensation. However, when drivers have the same insurance provider, both will call the same insurance company. In such conditions, you should let the company know the other person has the same insurance and will contact them soon. The insurance company might handle the claim internally by assigning a separate claims adjuster for each involved party.

As already said, several complexities can arise when claiming from the same insurance provider. These complexities include coverage constraints, subrogation systems, challenges in liability determination, coverage gaps, and claims processing complications. Here are a few tips that can help facilitate the resolution process without hassles:

Reviewing your insurance policy

Firstly, you must familiarize yourself with the terms and conditions of your insurance policy. Carefully review it to understand the coverage limits, deductibles, and any potential exclusions or conditions that may apply. These details will help you navigate the claims process more skillfully and determine what benefits you are eligible for under your policy.

Informing your insurance provider

Let your insurance provider know about your auto accident as soon as possible. Prompt reporting ensures that the claims process initiates soon and fulfills all official formalities within applicable deadlines. Give precise and thorough details about the collision, including any injuries or property damage. Adhere to their instructions for providing documentation and evidence related to your accident.

Cooperation with insurance adjusters

Throughout the claims process, keep an open line of communication with your insurance company. Be cooperative and receptive to the claims adjuster handling your case. Respond to their inquiries quickly and give them access to any additional information or supporting materials they require. The processing of your accident claim will go more efficiently and fast if you cooperate with the adjuster. Remember to maintain records of all communication, including the times, people involved, emails, phone calls, and the details of what was said.

Consulting a skilled attorney

If you believe the insurance company is not working in your best interests or making things complicated, consult insurance claims attorneys. They can give you legal advice, negotiate on your behalf, and help mitigate any legal complications that may arise. If there is disagreement about the extent of the damage or the cost of repairs, they can seek independent estimates from experts. The information gathered can help support your claim and ensure fair compensation.

Specialized attorneys at Phillip Law Offices

If you and the other driver in a wreck have the same insurance source, you qualify to obtain as much coverage as you would receive from a different insurance company. If the other driver was negligent, their insurance company should cover your damages according to their policy. Since you have the same provider, it shouldn’t prevent you from receiving compensation. But it doesn’t imply that you will eventually owe more money, be entitled to less coverage, or pay a higher premium because of the accident. The best recourse to understand your rights and prevent harassment is to seek a well-qualified attorney. At Phillips Law Offices, we have lawyers with expertise and many years of experience in insurance law. Our specialized attorneys can provide you with valuable legal assistance.


Drivers involved in an accident claim with the same insurance company may face complicated situations. However, an attorney can still assist you regardless of the insurance complexities. They understand the applicable laws, insurance policies, and coverage restrictions that can significantly impact your claim. They act as your representative when interacting with the insurance company. From handling all communications to negotiations and paperwork, they can effectively advocate for your rights. Eventually, an attorney can assist you in the following ways:

  • Conduct thorough investigation
  • Gather evidence
  • Interview witnesses
  • Review medical records
  • Analyze the facts
  • Seek expert advice
  • Determine at-fault driver
  • Assess accident-related total damage
  • Review insurance policy
  • Navigate legal process
  • Negotiate with insurance adjusters
  • File a lawsuit

Get Consultation From Our Specialized Attorney In Personal Injury Claim

Insurance policies can be intricate and include specific provisions that may affect your accident claim. Our attorney can interpret the insurance terms, negotiate with the company, and ensure providers fulfill their obligations under the policy. If negotiations with the insurance company fail, your personal injury attorney can file a suit and represent you in court. They will help complete the official formalities, litigate the case, and present evidence supporting your claim before a judge or jury. For a free case evaluation, consult our specialized attorney in insurance claims and personal injury lawyers now. We offer personalized guidance based on the specifics of your case and make every effort to get you the compensation you are due.

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