What if I’m in an Accident That Isn’t My Fault — How Do Insurance and Claims Work?
What if I’m in an Accident That Isn’t My Fault — How Do Insurance and Claims Work?

What if I’m in an Accident That Isn’t My Fault — How Do Insurance and Claims Work?

Introduction

Even when an accident isn’t your fault, the same first steps apply: make sure everyone is safe, exchange information and document the scene, and then contact both your insurance provider and your Solutions Auto Group account manager. Fault typically gets sorted out through the insurance claims process, but keeping SAG in the loop protects your lease along the way.

Fault Doesn’t Change Your First Steps

Fall driving in Southwest Oklahoma means more rain, more deer on the road at dusk, and busier roads around Friday night football traffic — accidents that aren’t your fault happen. Regardless of who caused it, check for safety first, document the scene with photos if you’re able, and exchange insurance information with the other driver.

Why Calling Sag Matters Even When It’s Not Your Fault

Even though the other driver’s insurance may ultimately be responsible for repairs, your account manager needs to know what’s happened to your leased vehicle. Depending on the extent of damage, this could involve your service contract, your GAP waiver, or simply keeping your account accurately noted while the other insurer’s claims process plays out.

Serving Duncan and Stephens County

Our Duncan team is a phone call away for drivers across Stephens County, including Marlow, Comanche, Velma, and Cyril, any time an accident happens — fault or no fault.

Frequently Asked Questions

Yes. Contact your account manager as soon as it’s safe to do so, alongside filing with your insurance provider.

This is typically handled through the insurance claims process, often through the at-fault driver’s insurance. Your account manager can help you understand how it affects your lease along the way.

Prioritize safety, document the scene if you’re able, and exchange insurance and contact information with the other driver.

Been in an accident that wasn’t your fault? Contact your Duncan account manager as soon as it’s safe — we’ll help you sort out the next steps.

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