My car slid into my roommates car the day after a snowstorm and broke the tail light. Will my insurance go up?

Answer 1

Damage to the other car would be covered under liability - and it's first dollar coverage. Deductibles only apply for comprehensive and collision losses. (damage to your own car.)

Different states have different insurance laws, but generally, a very minor accident (under $500 or $1000) without an injury is not chargeable - BUT - some companies have ways around the "not chargeable" laws - they can put someone who had a "non chargeable" accident into a more expensive program.

In any case, if the damage is confined to the tail light lens, I'd look into the cost of fixing it before deciding if it makes sense to bring in the insurance company. It'll probablby be under a couple hundred dollars, and if so, you probably are better off just paying it out of your pocket.

Answer 2

so some distance as i be attentive to, whoever "hits" has the criminal accountability or is "at fault". In different words, coverage firms and regulation enforcements attitude is, "while you're following each and every of the regulations of the line and protection, there is rarely any reason to hit something." Now, if there develop into ice on the line, that could atleast make issues lean greater on your choose, yet i think of you will have a image taken that day of the stretch of street you slid on. it quite is why they say you may continually have atleast a disposable digicam on your vehicle to take a image of an accident and accident scene on the day of the accident, alongside with a cellular telephone, your coverage innovations, driver's license and registration. with any luck you have vehicle coverage which will pay even no rely if it is your fault, or if no longer, various pals and kin which will help you in this time of disaster. there is various different aspects to contemplate: develop into the two of the drivers using jointly as impaired, or in a hurry, did the two pass away the scene of the accident in the previous regulation enforecement arrived, what style of vehicles have been in contact, did the two have vehicle coverage-dl license-registration-etc... So with any luck, possibly there is different aspects that are on your choose right here. In the two case, it quite is a take-heed call to continually force safely and defensively and shop as plenty area between you and different shifting vehicles or gadgets as conceivable, have a seat belt on, and haven't any distractions like listening to the radio, eating, eating, speaking on a cellular telephone, etc... i be attentive to all this by fact i've got been using for years now, and have purely been in some injuries. In each and every accident different than one, somebody hit me and for some reason none of them even had a driver's license!!!! interior the accident the place I hit somebody, I rear ended somebody, purely such as you probably did. So in view that I "hit", it develop into my fault, even nonetheless the vehicle in front of me stopped short and actually quickly, no longer giving me any time to provide up. the only concern that saved me develop into that the vehicle I hit left the scene of the accident, and, from what I comprehend, it develop into some style of coverage scam on the area of the different driver.

Answer 3

you don't report that do your insurance, you just fix the tail light. See, if your deductable, is like $250 or $500, then then damage you do should be higher than that, because it means they (your insurance would pay for it) after you pay the deductable. Then your rate goes up .

Answer 4

If you file a claim against your liability insurance - your rates could go up. Your agent would be better able to give you an idea of how much.

Answer 5

if your room mate is OK with it just go to a local junkyard and get a replacement light. That way insurance will know nothing about it.

Answer 6

If just a taillight talk with your roommate and replace it yourself and save both of you a big headache.

Answer 7

I don't know if you reported it or not. I would never report something like that its cheaper and way less headache to just go and work something out with your roommate.

Answer 8

Maybe. It's an at fault accident, but maybe you have first accident forgiveness? Maybe the damages are under your state surcharge threshhold?

You need to ask YOUR agent.

Answer 9

if it's only a taillight don't claim it your deductable won't cover it anyway.