Two drivers looking at their respective phones after being involved in a car accident with each other.

What Happens If I’m in an Auto Accident and My Story Doesn’t Match the Other Driver’s Story?

Mismatching stories after an auto accident can be problematic. What happens if your story conflicts with the other driver’s story? Auto accidents are often quick and stressful, and it is common for drivers to remember events differently. Here are some tips to help make sure your account of the accident makes sense and you are able to accurately explain what happened:

An Umialik Claims Representative will investigate the accident. If the drivers’ stories conflict, the Claims Representative will attempt to reconcile the stories and the physical evidence by considering:

If your story does not match the other driver’s story and there is no corroborating evidence for either account, it is possible that neither driver could recover their damages from the other. First party physical damage insurance (if purchased) is available to pay for the policyholder’s damage even if the insured driver does not have enough evidence to recover from the other driver.

Note: It is important to notify Umialik or your Independent Insurance Agent of all accidents, regardless of fault and even if property damage is minor.

To report a claim with Umialik, call (800)521-3563. You can also visit or contact your Independent Insurance Agent.