A car in front of us had a tire fall off and they were in the road with a tire off and the car directly in front of us slammed on their brakes, my friend rear ended the car in front of us causing a lot of damage. No injuries. Then the car that we rear ended took off. The car with the tire problem stayed and gave their name and address. No tickets or citations issued but if the other car is found they will give him a ticket for felony leaving an accident. I was not driving but it was my car. Will my insurance increase?
2006-09-02 15:39:53 · 12 answers · asked by Lora 1 in Business & Finance ➔ Insurance
Did you want your car fixed? Are you assuming the responsibility of the other person's car? Were there any injuries? Do you anticipate that someone will come forward and claim an injury.
Ask the person that you lent it too, to give you HIS/HER insurance information and file the claim through that. If you "phony this thing up", so your insurance pays, then YES, your insurance will certainly increase.
This was very foolish to NOT get the police involved. At this point, anything goes, and you could turn out to be the LOSER.
2006-09-02 15:48:38 · answer #1 · answered by Anonymous · 0⤊ 4⤋
Like people said, it depends on the company.
The rule of thumb I've learned, if the insurance company has to pay money that it won't recover, expect your rates to go up. The only exception I know of this is if it is not your fault and there was nothing you could do to avoid it (act of nature, a stone hitting the winshield, someone backed into your car in the parking lot, etc..)
I was in an accident once in Puerto Rico with a rental car. The accident was at least partially my fault if not completely my fault. I had insurance through work and the rental car agency. When I told my personal insurance company, they just told me that as long as they didn't have to pay, they didn't care.
Insurance is a funny thing.
2006-09-02 15:48:58 · answer #2 · answered by Slider728 6 · 1⤊ 0⤋
Yes it will. Fault is based on more than a lack of tickets. if your insurance company is paying for the damage to the other person's vehicle, than your rates will go up. Insurance travels with the vehicle, not the person, so it does not matter who was driving.
I am sorry, but this is the way it works 99times out of 100. The only way it would not work that way is if your insurance denies the other persons claim saying that your friend was not at fault.
2006-09-04 11:20:16 · answer #3 · answered by Spork 3 · 0⤊ 0⤋
If your insurance policy pays out, your insurance will go up.
Tickets issued are not relevant to accidents - they can only work against you, ie, NOT having a ticket with your acciden't DOESN'T mean you're not at fault.
Your friend was CLEARLY at fault for this accident. If they have their own policy, your company will likely NOT insist on them being added to yours; however, if they do NOT, then your company probably WILL want them added to your policy, and you'll have to pay their points for the accident.
If they DO have a policy, their policy will pick up the points for the accident, but yours will lose any "loss free" discount that was on it, and might be "downrated" to a less preferential rate tier.
2006-09-03 09:05:11 · answer #4 · answered by Anonymous 7 · 0⤊ 0⤋
If you file a claim and your own insurance has to cover the cost of repairing your car, there's a pretty good chance that your insurance will go up, no matter who was driving. If another driver's insurance is going to cover the cost of fixing your car, your own insurance company doesn't even need to know it happened. Usually, when your insurance company has to write a check, unless you are very lucky or have an awesome agent, your rates go up.
2006-09-02 15:46:05 · answer #5 · answered by dcgirl 7 · 0⤊ 0⤋
i do no longer understand yet, i became in an twist of fate on the instant 2-26-2016 at 5:20am around there, and that i became at a end gentle and a few motor vehicle rear ended me, so now I could look ahead to the police checklist to get the different motive force's advice because I forgot approximately it.
2016-09-30 07:09:25 · answer #6 · answered by gangwer 4 · 0⤊ 0⤋
I don't think so, this is clearly a not at fault accident and you have the other car as a witness. Your insurance company might hassel you about who your driver was and if he needs to be added to your policy and whether you make it a habit to let other people drive your car.
2006-09-02 20:02:58 · answer #7 · answered by Anonymous · 0⤊ 1⤋
Anytime you have a claim on your policy and the person driving your vehicle is negligent there will be a rate review on your policy. It does not matter that she did not get a ticket
2006-09-03 15:38:32 · answer #8 · answered by mamatohaley+1 4 · 1⤊ 0⤋
i dont think so. But it may depend on what state you live in and what you insurance covers. All i can say it just look into more.
2006-09-02 15:44:32 · answer #9 · answered by Majestic 1 · 0⤊ 0⤋
Depends on the company. There's no one answer to this.
2006-09-02 15:43:14 · answer #10 · answered by AngiesHusband 5 · 0⤊ 0⤋