What happens when two drivers are in an accident, and both call on the same insurance/lawyers?


What happens when two drivers are in an accident, and both call on the same insurance/lawyers?

In: 1

They also must call police to determine whos faut was that. After determining that, I don’t think the things you mentioned matter anymore.

It’s quite common for both drivers to have the same insurance company. It doesn’t really matter, and in fact it usually speeds up the claims process. The insurance company determines who it believes to be at fault and pays out according to the respective parties’ insurance policies.

Normally in a case like that you wouldn’t need lawyers to be involved. Normally you’d hire a lawyer if you were uninsured – for example let’s say you only carry the basic liability policy on your insurance, but an uninsured driver crashes into you and refuses to pay. You could then hire a lawyer to try to sue them. There’s rarely a need if you had your own collision insurance, because then your insurance company would pay you and use their own lawyers to try to collect from the at-fault party.

But let’s say neither party was insured and you both called the same law firm. In that case, the law firm would refuse to do business with both of you. It’s not legal for them to represent both sides in the same lawsuit. They could either go with whoever contacted them first, whoever they had a prior relationship with, or they could just drop both of you so it didn’t look like they were playing favorites.

Same insurance company – perfectly fine. It is pretty common in fact because there are only so many insurance providers out there. It doesn’t change anything about the situation. They’ll still process both claims like they normally would.

Same lawyers – usually you wouldn’t need a lawyer at all. If it gets to that, *and* both sides somehow pick the same lawyer (which is yet more unlikely – there are a lot of lawyers out there), they will have to say no to one of the parties.

The one insurance company handles it, but the negative consequences apply to the one at fault. I’ve had 3 significant accidents where other drivers were at fault, and ironically, the one that was the most difficult to deal with in terms of insurance was when we both had the same (pretty high end carrier) insurance.

This happened to me. The exact same agent also. They just dealt with it in house. It was her fault, she turned in front of me, so they paid for the repairs to my vehicle and I assume they also paid for the repairs to her vehicle, minus the deductible, and likely raised her premiums.

They just don’t have to deal with another insurance company, which likely would have cost them more money to have to deal with them.

Insurance company just deals with it. Once you talk to a lawyer about your case, it would be an ethics breach to talk to let alone represent the other side. Next have some fun looking into no fualt/at fualt states.