a car collison?

Question

if a car collison happens, should both motorist report a claim or only one is fine?

Answer 1

You should both file a claim with your respective carriers.

Answer 2

The absolute first thing that needs to be done is either or both motorists need to call the police to file a report. In most states it is the law if the damage exceeds a few hundred dollars, so anything more than a scratch, call the police immediately.

Once the police have filed the report, it is usually the innocent party who will call their insurance and they in turn will contact the other Insco who will call the guilty party.

The guilty party may decide to call in advance, to let the Insco know, but it makes little difference. The guilty party does not have to file a claim for the damages to their own vehicle, but may do so if they wish for the insurance to cover it.

That having been said, it is still up to the judge to make the final decision when the case goes to court, thou as a general rule the police is pretty good with their assessment.

Oh, one more thing: No police report could mean very bad news, the guilty party has an ethical obligation towards the damages, but ethics appear to be at an all time low, so call the police first thing immediately when it happens.

Answer 3

Collision on motive force's facet or passenger facet? Which lane did you start up your turn from? i can't see a situation in which you at the instant are not at fault. At a minimum you're liable for starting to be an risky turn. Did the police lay any costs? If there replaced into no police examine, you're in much extra situation jointly with your coverage corporation. whilst making a U turn, you're able to be able to desire to yield to all site visitors, going with you, coming in the direction of you and the two guidelines on the flow highway.

Answer 4

You just worry about yourself -- always report an accident to your insurer and the police.

Answer 5

Both should report if they want their rates to go up.