Here's the situation (i've never had this happen before):
We were at a 6 way intersection (with lights). Our light was green, but an officer had his sirens on flying to an emergency, so the car in front of me stopped short. I stopped short too. The girl behind me couldn't stop in time and caused some damage to the tailight and the bumper. The police came and I filed the report and everything....what happens now? Should I still call my insurance company or should I wait and see if the other driver will pay since it was their fault?
2006-10-14 02:19:57 · 13 answers · asked by Anonymous in Cars & Transportation ➔ Safety
you need to call them & let them know what happened within 24 hrs. & let them know the full situation, tehy will then contact her ins. company on their own! GOOD LUCK
2006-10-14 02:21:29 · answer #1 · answered by cheer8ko 4 · 0⤊ 0⤋
I've always been under the impression that the person who rear-ends the other car is at fault. The exception being a mailcious short stop by the other driver, which is next to impossible to prove, even though it is a growing insurance scam.
2006-10-14 02:53:08 · answer #2 · answered by Porterhouse 5 · 0⤊ 0⤋
Yes, you should call your insurance company.
They'll deal with the other driver's insurance company on your behalf if you are in an at-fault state such as MO or TX.
If you are in a no-fault state such as MI or MA, your insurance company will pay for your damages; the other driver's insurance does not come in to play in no-fault states.
2006-10-14 03:24:13 · answer #3 · answered by Bostonian In MO 7 · 0⤊ 0⤋
Call your insurance agent and they will likely get to the bottom of it. They will not want to pay a claim if they don,t have to. I was hit by an uninsured motorist once and my insurance company went after the guy that hit me and had everything straightened out in a couple of days.
2006-10-14 03:01:56 · answer #4 · answered by Iknowthisone 7 · 0⤊ 0⤋
The one who hit you is responsible for your damage. If you were shoved into the person in front of you, you are responsible for but can ultimately go after the one who hit you for payment of those damages also. If it wasn't too bad of damage, I wouldn't file an insurance claim as it will make your rates go up, not to mention the deductible you will have to pay. If you can work it out between yourselves, that would be the way to go, if not...your insurance company will be happy to oblige you and either raise your rates or cancel your insurance.
2006-10-14 02:45:24 · answer #5 · answered by sherijgriggs 6 · 0⤊ 1⤋
Call your insurance to report the ding they should deal with it from there through her insurance if she was clearly the one at fault and takes responsibility for it, you may have to fill in an accident report stick to the facts and it should get resolved in a month or so.
2006-10-14 02:24:06 · answer #6 · answered by Ian S 2 · 0⤊ 0⤋
By all means, call your agency and let them know what happened. It is the insurance company's job to provide your insurance coverage; whether they cover it themselves or bring pressure on the other company to cover it.
2006-10-14 02:30:35 · answer #7 · answered by funtym888 2 · 1⤊ 0⤋
Depends what state your in...do you have no fault insurance or at fault insurance. Insurance is different in every state...it all depends on where you are at.
2006-10-14 02:22:11 · answer #8 · answered by __Shele 2 · 0⤊ 0⤋
always call the insurance people and give them all the info.. they will fight it out. It doesn't matter whose fault. let them know.
2006-10-14 02:26:38 · answer #9 · answered by Anonymous · 1⤊ 0⤋
It doesn't matter your insurance company will know about it any way.
2006-10-14 02:23:16 · answer #10 · answered by ji9mmy m 2 · 0⤊ 1⤋