How Important Is a Witness When Filing an Auto Claim? 

After a car accident, one of the first questions your insurance adjuster may ask is, “Were there any witnesses?” In Grand Prairie, TX, where traffic can be heavy and accidents happen quickly, having a credible third-party account can make a big difference in how a claim is evaluated.

While a witness isn’t required to file an auto insurance claim, their statement may strengthen your case, especially if fault is disputed.

What Role Does a Witness Play?

A witness is someone who saw the accident unfold and can provide an objective statement about what occurred. Their testimony may help with the following:

• Clarifying fault—If both drivers claim the other is to blame, a third-party account can help the insurer determine who was at fault.

• Supporting your version of events—Witness details may align with your own account, reinforcing the credibility of your claim.

• Speeding up the claims process—Clear, consistent witness statements can reduce the time it takes for insurers to investigate and resolve a claim.

What Makes a Good Witness?

Not all witnesses carry equal weight. Insurers often look for the following:

• Neutrality—The best witnesses are unbiased bystanders, not passengers or relatives.

• Clarity—Witnesses who can clearly recall what happened and articulate details are generally more persuasive.

• Proximity—Those who were close enough to observe the entire incident often have more reliable insights.

What if No Witnesses are Available?

You can still file a claim, even if no one else saw the crash. Other forms of evidence, such as dashcam footage, police reports and photos of the scene, may also help support your version of events. A local agent, such as one from Blackburn Insurance Agency, Inc., can guide you through what information is most useful. Contact us today to learn more.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.