insurance?

Question

i had an accident in 2003 it wasnt my fault ,8 days later another stolen van hit my car from behind and drove off,not my fault again,if i m asking for insurance quote do i have to tell them about these accidents happend.if yes i get high insurance i checked with and without accidents, plz help thnx in advance

Answer 1

If these accidents were reported to the police or to prior insurance agencies, the new insurance agency will know about them. They might give you a low rate when you apply if you don't tell about the accidents, but they will do a complete search before they actually issue the policy. When they find the accidents, they will bill you for the higher rate. If you don't pay them, they will cancel your insurance.

Since the wrecks were not your fault, you might not be charged the higher rates. The best thing to do would be to contact several insurance agencies and have them check your history and give you an authentic rate quote.

Independent insurance agencies (instead of State Farm, Geico, American Family, etc) can go through several different insurance agencies to find the best rates for you. For us, howver, American Family had the best rates and coverages.

Answer 2

Even if you don't tell the agency about the accidents, when they pull your driving record, they will show up, even though you were not at fault.

Most companies have certain codes that they enter for accidents. When they pull your record, be sure to tell them that both of those were NOT AT FAULT accidents. They may ask you to prove it. This is easier than you might think.

Do you still have a copy of the accident reports? If not, you can call your insurance company that you had at the time, and have them write a letter on their letterhead stating that you were not at fault and their insurance didn't pay anything out on the accident.

Insurance companies cannot charge for something you didn't do, however, you must always be honest and upfront. If you're not, they can turn around and cancel you at any moment.

PS. Insurance companies only charge for accidents / violations dating back 3 years.

Good Luck!

Answer 3

Yes, tell them but say they aren't your fault. If the cops were called and a claim was turned in under your insurance, it will be on your motor vehicle report and the insurance company will see it.

You shouldn't have anything to worry about if you have a police report for each accident. If these accidents are truly NOT your fault, that should be clear on the police report. If the insurance company charges you for these accidents, ask if a police report would help out the situation.

Not sure what state you're in, but I'm licensed to insure in the state of Indiana. I know the rules vary in other states.

Answer 4

If those accidents are not your fault, you insurance rate should not go up.
Also, you must tell the insurance carrier all the truth.
Again, since those accidents are not your fault, you won't be charged for any point regarding to those accidents.
If you are in CA, call 408-249-7726 to get a quote.
Richard So Farmers Insurance Agency.

Answer 5

I'm an insurance agent- Yes tell them, but be specific, if it wasn't your fault IT WILL NOT hurt your premium. Any agent who tells you otherwise is wrong. If they find out you lied about your record, they could cancel your policy, and/or refuse to pay any claims you might make if you did have an at fault accident later.
I'm an agent in CA, if you
need any help, email me
[e-mail]

Answer 6

You should declare both accidents, if they werent your fault AND your insurance company got their money back you wont be penalised. If however, you claimed and the insurers didnt get their money back they still count on your claims history and the cost will go up.

if you dont tell the insurers and the car is in another accident and they cross check its accident history (by shared computer records via reg number or postcode) they will void your cover and cancel the policy.

Answer 7

Insurance is something that puts on the applicant a heavy burden, a heavy duty of disclosure. You are far better off disclosing it and telling them that it was not your fault than to hide and be found out when you make a claim. Failure to disclose invalidates a policy. Be careful.

Answer 8

if they were not your fault it would not go against you anyway! If your existing insurance company or DMV was notified of these then your insurance company will know about them anyway. You want to be fully honest with EVERYTHING to your insurance company. They could reject your policy for concealment of information to them. legally in most states you can sign a penalty of perjury statement declaring your not at fault as long as they are true. Good luck on your quest

Answer 9

You are supposed to declare any claims or accidents in the last 5 years - but its up to you what you say!

Answer 10

do you have un-insured motorist coverage? check with your company.
it's sometimes called (um)covg. their is an additional premium you may be paying if you have it... check your policy , & ask your agent. if you do, it should pay for the damage done by stolen van less abou $250.00 deductible.
hopethis helps.