2007-03-15 04:52:44 · 8 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
Depending on what state you live in a may be a requirement to at least notify the police. .Generally most states are around 500, but some states like WI is 1,000, and OR is 1500, or ID is also 1500. But if there is bodily injury def. file claim w/insurance. If its only damage to other persons veh then yeah file claim. Or if just damage to your veh and damage is more than your ded file claim... There is no cost, or charge for filing a claim with your insurance company..
2007-03-15 15:09:02 · answer #1 · answered by D.L. 4 · 0⤊ 0⤋
I'm not sure i completely understand the question, but when you are in an accident, if the damage is over $500 worth, police must be involved (most states). As far as insurance, as long as the damage was a result of something NOT involving another vehicle, and there was noa ccident, and you keep the vehicle, I dont think you have to report it to your insurance company. however, for more specific answers, you will want to consult your insurance provider.
2007-03-15 05:06:03 · answer #2 · answered by Anonymous · 0⤊ 0⤋
You should really report any damage to your insurance company, but minor things you are working out yourself don't need to be.
However, most states have a law in place that says the accident MUST be reported to the state (not the insurance company) if the damage exceeds $500 or there was any bodily injury.
2007-03-15 06:51:13 · answer #3 · answered by oklatom 7 · 0⤊ 0⤋
Most states say to report damage over $500 to the police by filing an accident report. However, I think it depends on what kind of accident and what your insurance deductable is.
Say you dented your car on a fence post, and it cost $600 to fix. If your insurance repair deductable was $1000, you would fix this yourself and not report anything. I would suspect insurance companies would raise your rates if you told them, even though it would not cost them anything.
2007-03-15 06:36:40 · answer #4 · answered by Doug G 5 · 0⤊ 0⤋
If you are asking about existing damage on a car for a new policy, yes there is a point in which you are required to report the damage. When your new policy is activated for your vehicle at some point you will have to have it inspected. If it is a financed vehicle than you wont be able to have full coverage until the inspection is done.
2007-03-15 15:28:13 · answer #5 · answered by spcnicholas1 2 · 0⤊ 0⤋
Most states have a limit around 250.00, if you have more damage than that, you are required to report the accident. Check with your state, or your insurance policy, it should tell you what is required. And really, the amount they say is hardly a scratch, auto body repair is very expensive, one little dent can cause hundreds of dollars.
2007-03-15 07:22:58 · answer #6 · answered by fisherwoman 6 · 0⤊ 0⤋
Your insurance may have a deductible on your collision coverage, and it may have a limit on how much it will pay for liability coverage, but there is no limit and no deductible on the amount your insurer pays to defend you if you are sued in connection with the operation, maintenance or use of your covered auto.
For that reason, anytime you experience an incident involving another party, always report it to your insurance company so they can begin their investigation and protect your interests early on.
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2007-03-15 06:50:21 · answer #7 · answered by s2scrm 5 · 0⤊ 0⤋
not sure what u are asking but if you plan on any insurance claim it is best to report it right away.
2007-03-15 04:56:42 · answer #8 · answered by mj 2 · 0⤊ 1⤋