Ok situation: A car hit my bumper and kept going. I've been told that i cant file a claim with my insurance co

Question

What am i paying for?? I was told that i HAVE to get the other parties' information in order to get any type of compensation... Is it true that I cannot file a claim if i dont have the other idiot's insurance information?

thank you (to the first two people who answered)... you both said exactly the same thing and posted at the same time... so you REALLY must know what you are talking about lol thanks..

Answer 1

Michelle, what type of cover is your vehicle under right now? If you have comprehensive cover, then your insurance company will cover the damages to your vehicle. If your insurance coverage is third party cover, then I'm afraid your insurance company will not pay for the damages to your vehicle.

In any case, who exactly told you that you can't file a claim? Maybe you misunderstood that person because assuming you are covered with comprehensive protection (means your insurance company pay for the damages to your vehicle), your insurance company might want to make a subrogation claim later on against that vehicle which had hit and run. That is why they require the insurance details on that other party.

Hope that can assist you. If in doubt, just call your insurance company for a more detailed and proper advice.

Answer 2

Sorry to tell you this but the first two answers are WRONG. Comprehensive coverage will NOT have anything to do with this accident. You have suffered a collision loss and comprehensive coverage covers non-collision types of damages.

Regarding your question the most important thing people pay insurance for is to pay for accidents they are at-fault for.

If you do not carry collision coverage on your car then you will not be able to make a claim to your insurance company. You will need to try and track down the other driver to get their insurance info.

Answer 3

If you're in the US and have COLLISION coverage they will pay. It's called a hit-and-run if the other driver leaves the scene without identifying himself or herself, but that IS covered under collision coverage.

If you're in the UK and have COMPREHENSIVE coverage, the same rules as above apply. (In the US, comprehensive coverage covers any damage EXCEPT collision with another vehicle or fixed object.)

Who told you that you can't file a claim? I highly doubt it was your insurance company that told you that.

FYI, if you have Uninsured Motorist coverage, that will pay in the case of a hit-and-run and will normally NOT affect your rates!

Answer 4

determining on to document a declare will matter on the truly cost of upkeep and the age of your vehicle. First, get 2-3 estimates for fix cost. in case your vehicle is an older vehicle, weigh the options of putting out better than $500 to have it repaired contained in the first position. If it really is a extra recent vehicle and the alternative is interior of $one hundred of your deductible, then it gained't be worth it to declare it on your coverage. imagine of it this kind if that is $one hundred a lot less the coverage gained't even kick-in, so do not worry and if it really is a $one hundred extra, your coverage will probable bypass up through better than $one hundred in a coverage era, so might want to it fairly be fairly truly worth the insignificant cheap charges? solid success!

Answer 5

OK answer.

Do you have comprehensive insurance? If so, you can file a claim, you will have a deductible to meet before the insurance company will start to pay. If it is a high deductible, you may want to get an estimate first before you file a claim, since more than likely, your insurance rates will raise. I wish you a lot of luck.

Answer 6

This is called a hit & run.
This should fall into the category of Uninsured motorist

Answer 7

If you have comprehensive insurance, they will pay, after you pay your deductible, which could be $500-$1000. You need to check your policy.

Then they will be kind enough to possibly raise your rates.