i had a motorcycle accident last nite. i just got my insurance last month... no other veicles were involve i crashed into the curve. i was able to get on my bike and went home.. so there is not a police report.. what do u think is the best should i let my insurance company know? and if i do.... will my insurance price increase? and will my bike is going to have a salvage tittle? i really dont know what to do please help.
2006-10-30 19:57:44 · 10 answers · asked by cesar kawi21 1 in Cars & Transportation ➔ Insurance & Registration
if you do an insurance claim they will check your record and if they see alot of points they will jack up your rates. they might also jack them up for no other reason than you made a claim. if you can fix your bike without help you might be better off. i dont know anything about salvage titles. sorry
2006-10-30 20:01:32 · answer #1 · answered by Anonymous · 0⤊ 0⤋
It depends how badly your bike was damaged. If you can pay to fix the bike your self don't tell them. Your bike can only get a salvage tittle if the bike was totaled that means it cost more to fix then the bike is worth and you fix it anyways. your insurance makes the call about the worth of the bike if you don't call thay can't total it. I have no idea if your insurance will go up some do some don't. My did not and I took out a mail box
2006-10-30 20:19:18 · answer #2 · answered by Normefoo 4 · 0⤊ 0⤋
Do you want to file an insurance claim and have the insurance fix your bike? If so, then YEAH, you need to call them. However, your collision deductible will apply. Whether or not your rates increase depends on your company, your driving record, and how much it costs to repair the bike.
If the damage is so minimal that you don't want to repair it or you want to pay out of pocket, then no, you do not have to contact your insurance company.
2006-11-01 03:24:36 · answer #3 · answered by Beth 4 · 0⤊ 0⤋
Key question here is "Do you have insurance?" If you have insurance you need to turn this claim into your insurance company. They will handle everything. If you have no insurance then let them sue you in court. Bring in your photos, witnesses, ect to prove your case. Let a judge decide. Never paid anyone anything unless a judge orders you. I hope you have insurance because they will handle everything. That is why it pays to have insurance. If you have insurance call your claims department and put in the claim ASAP.
2016-05-22 15:39:58 · answer #4 · answered by Anonymous · 0⤊ 0⤋
If you are not going to file a claim and have the insurance pay to fix the bike, you do not need to let them know. You can get the bike fixed on your own and keep your rates were they are. You only have to call them if you want them to fix the bike and pay your deductible.
2006-10-31 08:27:21 · answer #5 · answered by dr's mom 3 · 0⤊ 0⤋
yes, u definitely should tell the insurance company! Otherwise what's the use ofinsurance!!!??? Just think, and u'll get to know for urself!
2006-10-30 20:00:51 · answer #6 · answered by suruchi 2 · 0⤊ 0⤋
If it's a single veh. loss and you don't want to make a claim for your damage, you don't have to report it to them. It's only if you want your collision coverage to pay for your damages that you need to report it. And no one hits curves, did you mean a curb?
2006-10-31 10:18:36 · answer #7 · answered by Chris 5 · 0⤊ 0⤋
500 bucks of damage or combination with medical bills the state going to come in anyway and they do not play fair
2006-10-30 20:08:41 · answer #8 · answered by Anonymous · 0⤊ 0⤋
if the motorcycle isn't hurt, you aren't hurt and there was no other property damage- it could raise your insurance rates to turn it in. if no one or nothing is damaged, i wouldn't report it.
2006-10-30 20:00:10 · answer #9 · answered by tiggerkitty3 4 · 0⤊ 0⤋
If you want them to pay for the repairs, you have to tell them. generally, it will increase your rates though
2006-10-30 20:05:12 · answer #10 · answered by bambi 5 · 0⤊ 0⤋