Had a fender bender almost 3 weeks ago, and everyone there thought it was minor damage, so everyone agreed unamimously not to call the police. Now the guy that got hit has more damage than he previously thought, so whats a police report now. Thinking about notifying insurance, but my mom says not to (car in her name). Can they raise your insurance just by talking to them? I mean, there was no police report so really there is no proof. Don't know want to do, because I want to notify them so I don't get in trouble, but my mother and everyone else say don't worry about it. Wreck happened b/c after a stop (and everyone gets close, the guy locked up his brakes going about 15mph, b/c he was watching TV while driving.) Live in Florida and I belive its a no-fault state. When I called police later they said they can't write a report even 5 minutes after everyone left the scene.
2007-04-07 11:05:06 · 5 answers · asked by yeahboi 1 in Cars & Transportation ➔ Insurance & Registration
Just let things be. Pay for the damage and let it go. If the damage is well above the deductible on your insurance then you can report it. If there was that much damage, then the police should have been called and a report filed. Since that didn't happen, and I assume you are a young driver, it may be best to keep quiet about it.
These are just my thoughts, you do what you want, but check with your Mother first since it is her car and insurance.
2007-04-07 11:15:13 · answer #1 · answered by Fordman 7 · 0⤊ 0⤋
No-fault does not mean what everyone thinks it means. You can make a claim against the at fault party and get paid by his insurance. No-fault is something else entirely.
Your policy contract requires that you report all accidents timely. If you choose to pay out of pocket you're setting yourself up for claims of additional damage, no control over the amount of the estimate, and no release so that the person can still pursue you for a rental car, or hidden damage or even unrelated damage. I have never seen them go well (out of pocket settlements).
Unless you feel like you're going to get a break from this other guy by paying the damages yourself you should report it. Even if your rates go up, will the increase be as much as what you'd pay out for the damages? Probably not.
2007-04-07 13:49:40 · answer #2 · answered by Chris 5 · 0⤊ 0⤋
When ever there is a rear ending, it is always consided the person that was in the rear to be at fault. If you do tell your insurance company, it could increase the rates. I don't know how old you are, but if you are not living with your mother you could have a problem with insurance fraud if you are not listed as a driver on the insurance. Keep your head about this.
Hope everything works out!!
2007-04-07 15:54:52 · answer #3 · answered by kiratess 3 · 0⤊ 0⤋
The insurance wont do anything anyway without a police report. So don't fret none. You don't really need to contact the insurance company.
Since they wont pay anything to anybody, it's as if there was no claim. Therefore no rates increase
2007-04-07 11:26:30 · answer #4 · answered by Anonymous · 0⤊ 0⤋
Yes, Florida is a no fault state, which means he reports it to HIS insurance, not yours. I'd still let the insurance company know, just so they couldn't say you didn't report to them when you were supposed to, and either raise your rates for that or drop you.
2007-04-07 11:09:33 · answer #5 · answered by oklatom 7 · 0⤊ 0⤋