I am afraid my rates will go up, even though it wasn't my fault.
2006-11-15 04:23:55 · 14 answers · asked by yip 1 in Cars & Transportation ➔ Insurance & Registration
I'm not sure what you are actually asking here. If you mean you were involved in an accident that was the other person's fault, yes, you need to notify your insurance company. A non-fault accident shouldn't raise your rates, and they can help you collect for your damages from the person at fault. If you mean you let someone drive, assuming their insurance would cover, and they had an accident, that's on you. Insurance follows the car, not the driver.
2006-11-15 05:33:34 · answer #1 · answered by oklatom 7 · 0⤊ 0⤋
In cases where the other party is at fault and you have exchanged insurance information with them (and I'm assuming this is your situation), you are to contact that person's insurance company and file a claim (if they haven't already done so). You are not required to notify your insurance company or bring them into the situation at all. Since you are not at fault and the claim is not being filed on your policy, your rates should not be affected at all. The other person is the one who will have jacked up rates, not you. I hope you have a police report. Some companies now will deny a claim simply because there is no report to prove the accident occurred. Hope this helps. Good luck!
2006-11-15 08:39:46 · answer #2 · answered by Beth 4 · 0⤊ 0⤋
Absolutely - I cannot guarantee that your rates will not go up, but from someone who has been in 3 accidents, all caused by other people, I can tell you that mine did not go up, and I reported my accidents with 2 different insurance companies. Don't be bullied by the other people's insurance company either. They may be great, or they may drag their feet, because believe me, they are in no hurry to give up any money. Be persistent if they give you any crap, they are working for you, not the other way around. Good luck and watch out for the nuts out there on the road!!
2006-11-15 04:36:49 · answer #3 · answered by My Dog Rowdy 5 · 0⤊ 0⤋
Absolutely. In fact, if you read the FINE print in your policy they normally state that you must report any accident within 24 hours or some such clause. It will be public record anyway with the insured's information filed, as well as any police report that may have been made....I hope you have a police report??
If your insurance company is advised, as they will be, of your accident through other means, it would look bad for you.
Good luck - a real pain when this happens....I know.
2006-11-15 04:34:12 · answer #4 · answered by cappy 3 · 0⤊ 0⤋
Yes. If it's not your fault, your insurance rate should not go up. Make sure you get a Police Report of the accident!!
2006-11-15 04:37:07 · answer #5 · answered by Look on the bright side. 5 · 0⤊ 0⤋
Your rate will not go up if you are not at fault.
Contact your insurance carrier and open a PIP (no-fault) claim on your behalf. That claim is strictly for your medical bills, if you are injured.
If you are not injured, contact the other party's insurance carrier and open a property damage claim only for your car. Let them pay for the damages to your vehicle. Also note that if your car is undriveable, they have to pay for a rental. If your car is driveable, then they have to pay for your rental only when the car is actually being fixed. Either way the other partys insurance carrier has to pay for your car, whether your injured or not, whether you have full coverage or just liability.
2006-11-15 04:36:19 · answer #6 · answered by Rica 82 5 · 0⤊ 0⤋
The rates will go up but not if it wasn't you fault, but most insurance companies put blame on both parties. I was in one and it was clearly the other persons fault and they blamed for 20% and the other person for 80% and mine went up but not by much..........
2006-11-15 04:33:36 · answer #7 · answered by littlegoober75 4 · 0⤊ 0⤋
except the entire fee of the automobile is $800 or below the quantity to restoration the automobile, the different individual's insurance could pay. i might deliver your estimate to the different party's insurance employer and request the full quantity. you're allowed to have your automobile repaired via whoever you prefer.
2016-10-22 03:30:22 · answer #8 · answered by dorseyiii 4 · 0⤊ 0⤋
i wouldn't until you see what happens with the other guy
since you did have an accident (regardless of fault) you are technically MORE LIKELY to be in an accident than someone who has not been... and your rates may be affected...
Legal? Ethical?
Who knows... I only protect MY bottom line.
2006-11-15 04:30:20 · answer #9 · answered by mp3tocd_man 2 · 0⤊ 0⤋
Since it was not your fault..by all mean contact your insurance company...they can protect your rights! They have lawyers for that. And good luck!
2006-11-15 04:34:01 · answer #10 · answered by TexasRose 6 · 0⤊ 0⤋