The question is when I call my insurance company, do I explain to them I got charged for leaving the scene of the accident when it was just to seek help? Or does that matter?
2007-03-21 07:38:25 · 8 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
No one else was involved, it was raining, I skid off the road, but I am asking does my insurance company need to know I was charged or do they just need to know I wrecked? Can I just tell them I ran my car into a telephone pole? And no, I don't have a cell phone. A few of us still enjoy our privacy.
2007-03-21 07:53:42 · update #1
LOl... good excuse................NOT
(in this day and age of almost everyone on the planet having a cell phone)
2007-03-21 07:45:37 · answer #1 · answered by Mopar Muscle Gal 7 · 0⤊ 2⤋
Insurance companies don't care about that.
They care about one type of infraction: The "Moving violation". That includes speeding tickets, careless driving, the ticket you'll get from hitting the phone pole, open container, DUI etc.
If you get a moving violation, or you file a claim that seems to be "your fault", your rates will go up. If this happens several times they may drop you entirely and send you scrambling to the "high risk" insurers like "the general".
The "leaving the scene of an accident" thing is stupid and will almost certainly be dismissed if you fight it. However, you might want to look at all the charges against you as a result of this, and see if a plea bargain would be advantageous to you. Moving violations cause your insurance to go up, but other charges have other effects on you.
2007-03-21 15:24:31 · answer #2 · answered by Wolf Harper 6 · 0⤊ 0⤋
Your insurance company will get a copy of the police report and know what you were charged with. They also will know this by reviewing your drivers license when your policy renews. But unless you fight the ticket and win, it is still going to be on your license. SO, if you do explain the situation, they may notate your policy that the citation was not accurate. In this business, we often times see that the police officers don't always do the most thorough and unbiased reports.
(No harm meant to the police officers, just stating my experience with the reports I see all the time regarding 1 car accidents)
2007-03-21 13:31:52 · answer #3 · answered by londonmh 2 · 0⤊ 0⤋
The insurance companies run checks on their customers on a regular basis. They have access to computer systems called CJIS and DELJIS. They will know that you were charged by the authorities. If you don't tell them, they will be telling you about it shortly.
2007-03-21 08:08:24 · answer #4 · answered by kathy s 6 · 0⤊ 0⤋
Just tell them you came out of your house one morning and found that a telephone pole hit your car.
2007-03-21 07:46:04 · answer #5 · answered by mrnaturl1 4 · 0⤊ 2⤋
I don't think the charge has anything to do with the accident, but just to be safe, don't say anything unless they ask.
2007-03-21 08:00:51 · answer #6 · answered by charliecizarny 5 · 0⤊ 1⤋
doesn't matter to them ...the courts are a different story... you could lose your license for a short time...then the insurance company will care
2007-03-21 07:46:37 · answer #7 · answered by Robert P 6 · 0⤊ 1⤋
You may have been charged but I seriously doubt that
they can make it stick....Go to court...You should win....
2007-03-21 07:46:08 · answer #8 · answered by Anonymous · 0⤊ 2⤋