How To Make A Claim On Someone Else's Car Insurance? 
This one is really dependent upon the circumstances and where you live . I can only speak to how Michigan will treat it . Since we 're a No-Fault state , if your car is damaged , your insurance will cover the damage to your car -LRB- if you have physical damage coverage -RRB- . If you do n't carry physical damage coverage you can sue for up to $ 1,000 in small claims court . Now , most people in Michigan have coverage for this under their policies and will pay it out without going to court . You simply contact their company , explain the circumstances and submit a police report showing their driver is at fault . They usually pay these very quickly . If it 's not for physical damage to a car , you may be able to do the same thing , but the outcome may be very different . If it 's for property damage or an injury , they may or may not work with you . It 's very possible you may have to sue the other driver to recover any damages . Remember , their insurance company represents their driver , not you . I would advise my clients to get an estimate on any damage to a car and to consult a doctor with any injury . Then , depending on what you find out , make a determination on whether it 's worth pursuing . Any time you sue , there 's a lot of time and energy involved and the outcome is not certain . You need to be able to put a dollar amount on it before you proceed . Get your ducks in a row first , then you 'll be in a much better position . 