I had a bump about a month ago and have not yet claimed, as I thought of fixing it out of my own pocket. Since discovering it will cost more than my excess (I have protected no claims), I want to make a claim. Is there a problem with this?
Thanks
2007-10-15 05:47:11 · 6 answers · asked by Linda 6 in Cars & Transportation ➔ Insurance & Registration
Hiya:
Most auto insurance policies have a clause under the conditions that say what your duties are. You do have a duty to report incidents.
Will they toss you out on your ear? Not likely. They will ask you why you waited to report it. The reason you've stated above is a common reason people wait to report claims. NO big deal.
When will they try to deny a 'late notice' claim? Most states have regulations on when an insurance company can do that. Usually - if you've somehow 'prejudiced' the insurance companies ability to do its job - then you might be facing a late notice denial. It doesn't sound like that's an issue here though.
Good luck!
~jifr!
2007-10-15 12:37:18 · answer #1 · answered by Jifr 4 · 0⤊ 0⤋
No, you should be okay if you tell them exactly why you've waited. As long as you have full coverage and willing to pay the deductible, you're covered no matter what. This is the advantage of full coverage. However, they'll do an investigation on the damage to see whether what you've told them is true. Remember this, all claims will not disappear from your insurance history record. If you have too many claims, you run the risk of having your insurance canceled. I wish you the best of luck!
2007-10-15 13:25:08 · answer #2 · answered by LE 3 · 0⤊ 0⤋
Read your policy. Most of them have a "report all potential claims in a timely manner" written in there. Then the question becomes what is "timely". A fender bender on Friday with a Monday holiday would be timely on Tuesday, but a month or two later wouldn't be.
Best source of information of course would be your agent.
2007-10-15 13:51:27 · answer #3 · answered by oklatom 7 · 0⤊ 0⤋
No but you should have advised them before. You have a good reason for not doing so. Tell them why if they ask. Do not make up a **** and bull story they have heard most of the variations. like lawyers they swop stories concealing names to protect the guilty
2007-10-15 14:52:05 · answer #4 · answered by Scouse 7 · 0⤊ 0⤋
After a month, they could claim "late notice" and reject your claim.
2007-10-15 13:57:56 · answer #5 · answered by Barry auh2o 7 · 0⤊ 0⤋
yes!! you are supposed to report all minor and major accidents ASAP to your insurance company.
they will tick you off for not telling them sooner
2007-10-15 12:50:58 · answer #6 · answered by minty 4 · 0⤊ 0⤋