I was rearended today and saw no damage to my car or my body though I was thrown forward. After looking at my car, I walked over to the person who rearended me. She didn't even get out of the car. She just rolled down her window and said "I'm sorry" At that moment I saw nothing I could "hold her on" I thought if there was damage to the car then yes, take the information but if not, guess there is no problem. It was my first accident and wasn't thinking quite clearly. All I had in the back of my head was the ad on the radio or tv on allstate insurance - the longer period of time you are not in an accident the more coverage or money they give you.... though I don't have Allstate I just thought if you didn't report it it won't hurt anyone. But it could hurt me in the end if I end up with whiplash and Chiroprator visits to pay... I was more tryin to figure out what had just happened. My back is starting to ache and hope I do not have whip lash :( Any advice?
2006-07-12 16:23:21 · 4 answers · asked by lizzy84 1 in Cars & Transportation ➔ Insurance & Registration
No, handling an accident yourself without going through your own insurance company when it isn't your fault is not insurance fraud. But since you have no information from the person who hit you, and no police report, and no damage to your vehicle, about the only thing you can do is forget it at this point.
2006-07-19 13:09:11 · answer #1 · answered by oklatom 7 · 0⤊ 0⤋
The insurace premium won't USUALLY go up, if the accident wasn't your falut and the insurance company doesn't have to pay out.
It is possible even if the accident wasn't your fault, the premium *could* go up, if your insurance company has to pay out, and the other driver wasn't insured, or somehow, they couldn't collect from the party at fault.
Since you didn't call police, there is no evidence, and you probablly didn't exchange any information, there isn't anything you can do anymore.
The correct thing to do was to at minimum, get the driver's license and insurance card information from the other driver. You had the right to request the information. If the person refuses and drives away, you can get the license plate number, call police claiming the person left the scene of the accident.
It is entirely possible, although there was no visible damage, a frame that holds the bumper could have been bent, and you could have a slight case of whiplash.... Not likely, but possible. You just don't want to end up having have to take care of them on your own expense.
2006-07-12 23:33:14 · answer #2 · answered by tkquestion 7 · 0⤊ 0⤋
if it wasn't your fault, don't turn it into your insurance call their insurance company and handle it yourself. If you let your insurance company handle it, it could raise your insurance. I don't care how minor the accident I will always file an accident report. I learned the hard way.
2006-07-12 23:30:46 · answer #3 · answered by Anonymous · 0⤊ 0⤋
Get a police report and take her to court....Your insurance will probably go up even if it is not your fault.
to comment to "Pixie" thats called insurance fraud honey..
2006-07-13 14:36:01 · answer #4 · answered by Anonymous · 0⤊ 0⤋