A lady hit me this morning very light damage down the side of my car....do I call the insurance company? I got all her information including pics of the cars but someone told me if i do not report to my insurance she can say I left the scene of the accident....They said it will not hurt me becasue it was not my fault....
2006-08-08 04:25:10 · 9 answers · asked by Sara F 3 in Cars & Transportation ➔ Insurance & Registration
Well, that's not completely true. If it were me, I'd call her insurance right away, and ask them to set up the appointment to appraise the damage. You clearly didn't leave the scene, esp. because you have pix and her info, so don't worry about that. The problem is, did she give you fake info, or will she honor her prior commitment to pay you your damages? You might have to drag your ins. company in, if you start getting a hard time about having the repairs and rental paid for.
2006-08-08 08:01:43 · answer #1 · answered by Anonymous 7 · 0⤊ 0⤋
The first thing to do at the crash site:
STOP! Anyone who gets into a crash must stop. Leaving the scene is also known as "hit & run" and can be a felony. This includes hitting property, animals or pedestrians.
Whom to call after emergency services have left?
Your auto insurance policy requires you to inform your insurer when you've been involved in an accident. As soon as you are able, you must call your insurer and file an accident report. You should also notify the other driver's insurer of the accident. The insurance companies involved will then begin an investigation of the accident in order to determine who's at fault.
Ask the insurance company adjuster for a copy of the complete claim file.
2006-08-08 16:15:55 · answer #2 · answered by luvpink 3 · 0⤊ 0⤋
The reason you HAVE to report it, is that your policy contract REQUIRES that you report ALL accidents, regardless of fault, regardless of anything. What you do from there is up to you, as you will be informed of your options and have your coverages explained. Just reporting an accident does not have an affect on your policy. Sometimes when accidents are reported late to your insurance company, they reserve the right to not provide coverage if your delay prejudiced their ability to investigate/handle your claim. Don't jeopardize your coverage-stay on the safe side and report it. You don't have to have all your ducks in a row right then and there to report it, but it helps if you can provide as much information as you can. If a police report was done at the scene, it can be ordered by the company or obtained by you and provided to them. If you don't have one, ask them if you need one.
2006-08-09 13:11:22 · answer #3 · answered by Chris 5 · 0⤊ 0⤋
working it out with the other party on your own rarely works out without a lot of problems and hassles.
If the damage is worth repairing then you're better off going through your insurance company if it wasn't your fault.
If you can't prove liability on their part (in that you may be held as partially to blame) then you may be better off fixing it yourself or leaving it if it is minor so you don't have an at fault accident on your record.
2006-08-08 10:23:02 · answer #4 · answered by Kaoss 2 · 0⤊ 0⤋
You have an obligation under the terms of your policy to report all collision damages. The other party may be talking to a lawyer and getting neck chrio treatments as we speak. (people are like that).
2006-08-08 15:53:36 · answer #5 · answered by Anonymous · 0⤊ 0⤋
yes call your insurance company but have a police report in hand when you do so you can prove it wasn't your fault
2006-08-08 05:45:50 · answer #6 · answered by dalmation60 3 · 0⤊ 0⤋
Yes, you need to call them. The car is their asset to protect.
2006-08-08 04:30:11 · answer #7 · answered by Sir J 7 · 0⤊ 0⤋
Yes you need to call them. That's the reason you are paying them a premium.
2006-08-08 06:37:20 · answer #8 · answered by sahniankur 2 · 0⤊ 0⤋
the sooner the better
2006-08-08 04:35:13 · answer #9 · answered by michael_stewart32 4 · 0⤊ 0⤋