A car slammed on brakes for no reason - I hit him. Other driver has no insurance - no U.S. license -what now?

Question

Insurance co. says "attorney" has asked for info on me - I didn't report initially becuz didn't want higher rates & damage minor. How much does my insurance help me in likely fraud case?

Answer 1

If you can prove beyond reasonable doubt that they purposefully stopped traffic for no apparent reason you might have a good case. But you first should have called an officer to the scene, and contacted your insurance anyway. If they're driving in California (for instance) it's illegal to drive without a license, or insurance the officer should have taken him into custody. The court might be in your favor because they "suddenly and violently stopped in front of you" and/or "quickly cut you off before you could react".

Answer 2

Its not fraud, you rear-ended someone. You are at fault and they deserve compensation for any injuries and damages. You should have contacted the police at the scene if this person had no ID or license. At least this way they would have been ticketed for such, which would help your case. But still, you hit someone from behind. And your insurance will investigate and for sure fight this if they do find it is fraud. Who do you think will be paying the injuries and damages anyway? Your insurance company! So of course they'll do anything they can if it means they arent out any $$

The second response made above is wrong. Uninsured and underinsured motorist is an option you can have on your policy. It does not come standard and isnt a big "pool of cash". And in this instance, it doesnt apply at all. UM is beneficial to someone who is hit by another who is not insured, not if YOU hit an uninsured driver.

I formerly wrote insurance policies for Geico, I know a thing or two about insurance to say the least.

Answer 3

When you rear end someone, regardless if they slammed on the brake for no apparent reason or not, typically the insurance co. places you at fault. Here's why: They say we should be driving in a manner that we would be able to stop or slow down in an event like that. Which means leaving enough room between you and the car in front of you to avoid impact.

Answer 4

To the person who used to write policies for Geico: There are some states that have required UM/UIM coverages, see mass. They also have the availability to purchase higher than compulsory amounts as well.

If you did rear end the person it is next to impossible to prove they slammed on the brakes on purpose. Exactly how would you prove this?? What it comes down to is that you didn't leave enough room between you and him and this is your fault. As for the possibility of fraud, notify your insurance company that you are suspucious of this claim, chances are they are already far more suspicious than you are.

Good luck.

Answer 5

A portion of your insurance payments goes to an uninsured motorist fund. Basically just a big pool of cash to handle cases like this where one motorist isn't insured.

Answer 6

Pay out of pocket. i do no longer understand approximately what state you reside in yet i understand if a vehicle got here to the save I paintings at and desires a painted bumper conceal cost of section + paint + hard work is sure to be over a grand. and he or she is right with the expenditures in all likelihood going up as quickly as the bumper is bumped off, if it does not come off elementary, or if a bracket or mounting spot is bent it extremely is going to value extra to repair that besides. additionally if it is going by coverage she might have of challenge to attempt and insist oem inventory replacements from the dealership whether being as previous as a vehicle because it extremely is the save might desire to do after industry.

Answer 7

You are probably screwed unless you can prove it was done on purpose..have the person checked out for other accidents

Answer 8

If you hit the other car in the rear....it's your fault. No two ways about it.