Although the accident was my sons fault, the other driver did not posess a drivers license. The cop said no one was going to be cited, as my son would have most likely receieved a ticket for violation of right of way..will affect the insurance payment?
2006-10-22 06:44:49 · 7 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
A ticket is not the issue that insurance companies look at. They look at who was negligent, and if it is you, then how much was paid out. An at-fault loss is surchargeable, so you should expect that to happen. The ticket would have affected his license, and if the insurance company did a check of the motor vehicle record, that could also affect the premium.
2006-10-22 07:34:26 · answer #1 · answered by Chris 5 · 0⤊ 0⤋
Being cited (ticketed) in an accident is solely up to the police officers discreation. It has nothing to do with who was liaible for the accident. You say that your son violated the right of way. He would be the at fault driver, it does not matter than the other driver did not have a drivers license because insurance company deal only with the facts of who is liaible for the accident. It depends on how long you have been with your insurance company (some insurance companies forgive the 1st accident after you have been with them so many year), how much damage was done to the vehicles and whether or not someone was badly hurt. If I were you, I would look for an increase in premiums.
2006-10-22 14:57:50 · answer #2 · answered by bettyswestbrook 4 · 0⤊ 0⤋
Was any sort of accident report taken by the officer? If the other driver didn't have a drivers license it might be in your sons best interest to always keep a copy of the report. He can show it to other insurance companies if they need any proof on the accident. Possible since no tickets were given and appears no claims filed your current company may not raise his rates.
in 1995 i was hit head on by a guy who was not the registered owner of the vehicle and he did not have insurance. myself and my passengers were all sent in an ambulance to the hospital.
due to the complexity of the accident i had to show a copy of the police report for years to auto insurance companies to show the other driver was at fault (Oregon is a no fault state and they can charge both parties an increase in premiums)
I never felt it fair to be rated for an accident i didn't cause and had no way to avoid (I was also on a bridge during rush hour)
*have your son keep an eye out that the other party doesn't file a claim w/ an insurance compay or the department of motor vehichles. Some states will suspend your liscense if you don't file an accident report with in so many days. a flag will go up if another party files any paper work.
2006-10-22 14:06:03 · answer #3 · answered by r_me_wyf 3 · 0⤊ 0⤋
Absolutely! The insurance companies investigate every single accident and then decide fault based on their discovery! It might be 100% for one driver or it could be any combination between both drivers. Either way your insurance premiums increase for 3-5 years depending on carrier. A few companies now offer the "no increase" or "forgivness" programs but you will have to go to your carrier for their policy!
2006-10-22 14:24:04 · answer #4 · answered by Anonymous · 0⤊ 0⤋
It can - depends on the state and the insurance company. The insurance co would be the people to go ask. Or tell us what state and insurance co and maybe someone here will know about it.
2006-10-22 13:53:28 · answer #5 · answered by kundalinicat 2 · 0⤊ 0⤋
you will probably see a small increase in your insurance premium
at your next renewal, most insurance companies run MVR's at renewal time
2006-10-23 07:06:23 · answer #6 · answered by Loollea 6 · 0⤊ 0⤋
No you may get a no claim bonus of 20% reduction.
2006-10-22 14:38:42 · answer #7 · answered by SKG R 6 · 0⤊ 0⤋