What occurs when two insurers are involved in an accident together?

When two insurers are involved in an accident together, it typically results in two separate claims being opened. Each insurer will manage the claim according to their own policies and procedures, which may include investigating the accident, assessing damages, and determining liability based on the coverage of each policyholder. This separation allows for the individual handling of each party's claim, reflecting their respective responsibilities under their insurance agreements.

In most cases where two vehicles are involved, both parties file claims with their own insurers. This enables each insurance company to work with their respective clients and handle settlements based on the fault and the terms of the insurance policies. This process ensures that claims are assessed fairly and that each driver's rights and coverage are honored according to the specifics of their insurance contracts.