ina car accident thats not your fault....does the situation affect your insurance
2006-06-07 09:59:49 · 9 answers · asked by flamezone22 2 in Business & Finance ➔ Insurance
i was side swiped....idiot broke my side mirror....i have a police report but i dont want dis to affect my insurance
2006-06-07 10:18:44 · update #1
It can depend on the company, but more often it depends on the state that you live in and what the regulations in that state allow an insurance company to rate for.
If I were you, I'd contact your agent or your direct service department and ask them what you should do... sometimes they will even go over the figures that you'd pay out of pocket for the expenses vs. the amount your premium would rise in order to help you make the decision.
But more importantly, seeing as this would be a first party claim (you're reporting this to YOUR insurance company), you're almost certainly subject to a deductible. If your side mirror was knocked off and that's the only damage... you can pick one up for around $100, and it will take 15 minutes or less for a body tech to put it on for you. I wouldn't imagine that would be more than your deductible, so you might as well just pay for it out of pocket.
2006-06-09 17:26:35 · answer #1 · answered by ezlndylan 2 · 1⤊ 0⤋
In can, but even if you change insurance companies, the accident is still on your record and effects the amount you pay. It all depends on exactly what happened in the accident and how the police-officer who wrote the ticket saw it.
2006-06-07 10:05:58 · answer #2 · answered by lizzey_in_pink 3 · 0⤊ 0⤋
Yes. Call around to different companies and ask for a quote. A standard question is "Have you BEEN in ANY accidents in the last 5 years?"
2006-06-07 12:41:04 · answer #3 · answered by insuranceguytx 5 · 0⤊ 0⤋
If you have a police report documenting that you were hit by a hit and run driver, then you can possible file on your on policy under the Un/Underinsured portion of you policy which is not surchargable in Ga.
2006-06-13 14:15:26 · answer #4 · answered by LittleRed 1 · 0⤊ 0⤋
Maybe. It depends on your policy, your state regulations, and who's made the determination that you are not at fault, and if fault is being contested by any of the parties involved.
2006-06-13 07:42:02 · answer #5 · answered by Anonymous 7 · 0⤊ 0⤋
Yes, it could. Depends on your ins company. Why don't you wait till it happens and shop around for another one?
2006-06-07 10:03:57 · answer #6 · answered by spot 5 · 0⤊ 0⤋
depends onthe company
2006-06-07 12:53:10 · answer #7 · answered by confused 5 · 0⤊ 0⤋
nope
2006-06-07 10:02:53 · answer #8 · answered by Anonymous · 0⤊ 0⤋
No not at all!
2006-06-07 10:02:42 · answer #9 · answered by Anonymous · 0⤊ 0⤋