Will one effect your rates more than the other?
2007-04-26 15:34:34 · 9 answers · asked by jggb 5 in Business & Finance ➔ Insurance
Well, you need to file a police report for a hit and run. And, by looking at the damage to your car, it's likely an adjuster will be able to tell if you hit something, or someone else hit you. Car on car damage is unique.
From a claim point of view, the damage is going to go under your collision in any case, so you're going to pay your deductible anyway.
I would NOT advise filing a false police report, as if you do that, and claim "hit and run" and the adjuster see clear evidence that you hit a stationary object (remember, these guys see hundreds of accidents every month, they can TELL the difference), they can deny your claim as fraudulent, and press charges against you if they want. As could the police, for filing a false police report.
2007-04-26 15:51:45 · answer #1 · answered by Anonymous 7 · 1⤊ 0⤋
Depends on how you feel about getting done for insurance fraud if caught, and if you do get caught and it goes on your record it doesn't state how minor a 'lie' it was it just states you were done for fraud. Either way whether you say it was a hit and run or admit you hit a stationary object, your premiums/rates are still going to go up, you will be found at fault for both, because even if you say it was a hit and run you still have no other 'driver' for the insurance company to chase for money so it is up to you to cough up. Get a quote to fix the damage and decide from there whether to fix it yourself or claim through insurance and cop the rate rise...
2007-04-29 22:44:01 · answer #2 · answered by JK 79 3 · 0⤊ 0⤋
As far as rates, a "hit and run" is considered a "not at fault" accident, while contact with a stationary object is an "at fault" accident, which can definitely affect your rates.
However, please keep in mind you are considering insurance fraud, which is punishable by time in jail, fines, and a cancellation of your policy. Claims adjusters DO investigate these types of losses for this very reason, so there is a good chance you will get caught.
2007-04-27 05:23:05 · answer #3 · answered by Anonymous · 0⤊ 0⤋
Even a student accident investigator in his first month of class can probably tell the difference between a collision between two vehicles and between a vehicle and a fixed object.
Therefore, you file the claim as it happened.
Hint: To collect under a hit-and-run claim, a formal police report has to be filed. Filing a false police report is a crime as is filing a fraudulent insurance claim. One incicent = two strikes.
One more item: Once you've been convicted of insurance fraud, you'll never get insurance again for 10 years or more. And many states won't even toss you to the Assigned Risk Pool of you're denied coverage for insurance fraud so you'll have to post a cash bond in order to register and operate a motor vehicle.
2007-04-26 17:40:57 · answer #4 · answered by Bostonian In MO 7 · 2⤊ 0⤋
Yeah, if you're caught lying to the insurance company, they'll
bring you up on fraud.
Not only is it illegal, you'll have a hell of a time ever getting insurance
again.
2007-04-26 15:37:24 · answer #5 · answered by Elana 7 · 2⤊ 0⤋
Definitely don't say you had a hit and run. That is a serious offense.
2007-04-26 15:37:41 · answer #6 · answered by Anonymous · 0⤊ 0⤋
the truth usually works.I've found out through doing it the other way.It just gets too complicated.Good luck!
2007-04-26 15:39:31 · answer #7 · answered by becatfish 2 · 0⤊ 0⤋
Depends on if you want to go to jail or not.
2007-04-26 15:37:09 · answer #8 · answered by Anonymous · 2⤊ 0⤋
Be Honest, or you will be sorry.
2007-04-26 15:42:10 · answer #9 · answered by bob shark 7 · 1⤊ 0⤋