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When a car accident occurs, it is not always easy to assess the damage and injuries. The police can provide an official report and insurance companies can help with the paperwork, but there may still be some unanswered questions. The following information is meant to help you understand the process of filing a car-accident claim. You should also know that you are not limited to using any one person or company you may choose whomever you feel best suits your needs. If someone else caused your accident, you can file a claim against that person's insurance company. If there isn't enough insurance coverage available from each driver's policy, then you may need to bring in other drivers' insurers who were involved in the accident. In most states, when an accident is caused by another driver who has no insurance or whose coverage is insufficient to cover all damages caused by the accident (including medical bills), then all drivers involved in the crash are presumed liable for any remaining damages up to their policy limits. In this situation, each driver will receive his own settlement from his own insurer but will also receive an additional payment from other insured parties as part of his settlement with his own insurer.