I left the scene, which involved no vehicle but my own, to call for my cousin to come help me. The police picked me up in the meantime for leaving scene. Does insurance need to know that, or is that irrelevant to the fact that the car is wrecked?
2007-03-21 07:57:26 · 11 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
PS. I already paid for the telephone pole.
2007-03-21 08:04:22 · update #1
Are you in good hands? That's all state's stand.
2007-03-21 07:59:52 · answer #1 · answered by Anonymous · 2⤊ 1⤋
I'm not sure why you would not tell them about it. First, your contract requires you to report any accidents. If the phone pole is paid for and you are not making a claim for your damages, then you don't need to report it. If you do need to report it, then you should answer all questions asked honestly. You have a legitimate (it would seem) reason for leaving the scene, so the fact that you got that ticket won't change the fact that you're at fault for the accident will it? The only thing you need to worry about is points on your license and whether those will increase your rates. However, your insurance will find that out when they check your record regardless of whether you tell them.
2007-03-22 11:11:25 · answer #2 · answered by Chris 5 · 0⤊ 0⤋
How your insurance covers it will depend upon what state you live in. Your company will run a check of your record, so they will know whatever the police cited you for. What happens after they run the check, again, depends upon how your company is filed to do business in your state.
If all you're cited for is fleeing the scene and it was just property damage you paid for out of pocket, they may do nothing.
If they have to charge you for a fleeing the scene citation, your rates may go up.
If you made a claim for them to fix your car under collision coverage, or fix the pole under property damage, your rates probably will go up.
Bottom line is, they WILL find out on their own, and will take action however they are filed to do so in your state. Good luck!
2007-03-21 08:49:34 · answer #3 · answered by callmecam2 3 · 0⤊ 0⤋
Had you not gotten picked up for leaving the scene then no they wouldn't need to know.. But since you did, and there was a report filed then yeah you should tell them. Cuz if you lie to them, and they cross check police records with your name, and find out. They don't have to pay out to you, or maybe even insurance fraud. Depending on how far they want to take it... I would just tell them what happended show them the receipt for the pole, and if you have collision on your policy you could get your veh fixed, and possible reimbursement for the pole. Of course subject to your ded..
2007-03-21 09:28:50 · answer #4 · answered by D.L. 4 · 0⤊ 0⤋
They dont particularly care that you left the scene- what they do care abvout is damage to the telephone phone- why would you pay that out of pocket?! your going through your insurance anyways for an at fault accident.. they would have paid that no problem?! You just spend hundreds of dollars you dont need to.
Fact of the matter is- insurance isnt the police. they dont care if you were drunk, left the scene, what you did.. all they care is whether you were at fault or not... and what damage you caused to other property/people
2007-03-21 08:10:49 · answer #5 · answered by la428282 6 · 1⤊ 0⤋
Since you got picked up, there is a public record , and the insurance company has to know everything. They check police records so they will find out anyway. Better you confess up front.
2007-03-21 08:02:00 · answer #6 · answered by kathy s 6 · 2⤊ 0⤋
as long as the telephone didn't need repair u don't need to tell them but to fix your car u wud be covered under collision if u have that coverage minus your deductible since it was your fault and not the t oles fault u probably wud get a huge surcharge on your next policy period if the damages to your car are over $500.00
2007-03-21 08:03:01 · answer #7 · answered by Randy R 1 · 1⤊ 0⤋
tell them everything. any discrempancies and the ins. comp. can refuse to cover. the state can take you to court and charge you for the cost of the pole.(never leave the scene of an accident)
2007-03-24 20:18:50 · answer #8 · answered by eye8u 1 · 0⤊ 0⤋
If your not planning on them paying anything, then let them figure it out on their own.
They will catch it eventually, but wouldn't call them.
If you do need to file a claim to have your car fixed, then yes, you need to tell them the truth about what happened.
2007-03-21 11:06:47 · answer #9 · answered by Nate W 5 · 0⤊ 0⤋
yes since it is now on record.
insurance company will eventually find out so it's better to tell them this than have them find out later.
if the police picked you up... did you call them? if not someone eyewitnessed it.
2007-03-21 08:27:44 · answer #10 · answered by Anonymous · 0⤊ 0⤋