My son had an accident a week ago. It wasn't his fault but the car is almost certainly a write off. He hasn't yet notified the insurance company and I'm worried that there is a time limit for this.
2007-12-30 02:15:40 · 16 answers · asked by jmazco 2 in Cars & Transportation ➔ Insurance & Registration
I agree with all of you. He is nearly 30, married with children so we can't do anything. He says that he needs more details from the police about who the other driver was before he can notify his insurance and that he's tried to phone and can't get through. We've told him that he needs to do it - but he's not listening. He's too busy looking for another car and trying (and failing) to get us to lend him the money to buy one!!!!
2007-12-30 02:34:11 · update #1
He should tell them straight away, if he knows the registration of the other vehicle he does not need to worry about the other drivers details, the insurance company will be able to look up the other cars insurance details and the registered owner details as they all actually share the same database and they will write to them asking for the driver details at the time of the accident as will the police.
He does not need to add to his stress by doing the work of the insurance company for them, that is why he pay them premiums for so they can do the work for him not the other way around
If the other driver failed to provide details at the accident, the police with write to the registed owner asking for the named driver, the report will be available to him but it will take up to two weeks as a week is given to the owner of the other car to respond, the report also
costs about £70 even for your son to get a copy of, that is once again why he needs to let his insurance company do the work for him as they will pay this cost as part of his claim.
2008-01-01 22:34:45 · answer #1 · answered by mafiaboss_nz 5 · 0⤊ 0⤋
The sooner the better like right now. In my accidents over 30 years I always informed the insurance company on the day. Don't delay I do not think there is a time limit as such but bear in mind two things. The other driver may see matters
rather differently and so if he is insured for third party only he needs to tell the insurance company in any event. if he is fully comp. he will want the Insurance co to fight his corner. That is why he pays the premium. Stick to your guns about finance. I do not actually believe his story
2007-12-30 07:24:26 · answer #2 · answered by Scouse 7 · 0⤊ 0⤋
Unless he is with Quinn, then there is no problem at the moment. He should, however, read his insurance policy about the duty to report claims as soon as possible and report it to them.
The reason for this is that the insurance company likes to have information to hand so they can deal with any third-party claim. You state that the incident was not his fault - if he is 100% certain then he can inform the insurance company that the information is provided purely as required and that a claim is not going to be made on his insurance.
As a matter of ciurtesy he should also advise the insurance company when the claim is settled.
Just one caveat. If the third party offer a proportionate settlement e.g 60-40 or 70-30 he must NOT accept it without referral to his insurers.
2007-12-30 06:35:10 · answer #3 · answered by welcome news 6 · 0⤊ 0⤋
Most insurance companies want to be notified "as soon as possible" regarding accidents, which is a bit of a slippery term. Sounds like he is waiting for the police report to come out before he calls because he didn't do what he should have done -- which is to gather the information on scene. He should have asked for, and written down their insurance information instead of relying on the police to do it for him.
But, since he didn't...
(Usually the police report is available after 3 business days, by the way.)
2007-12-30 03:37:36 · answer #4 · answered by oklatom 7 · 1⤊ 0⤋
The absolutely free reverse vin check sites generally provide fake information. To get real information, money will have to be paid. The free searches provide fake information so they can get your email address to send spam.
Stay away from shady reverse vin check sites, most likely you won't get any information after you make the payment. Not to mention you won't get a report and you won't get an answer if you try to call for a refund. Stick with a reputable reverse vin check site like http://www.reversevincheck.net that has been around since 1995.
2014-09-25 13:12:31 · answer #5 · answered by Anonymous · 0⤊ 0⤋
Did you ever actually call State Farm and submit a claim? If you did not do that, nothing is happening. It is not your insurance companie's job to update you on the status of repairs. That job belongs to the body shop. Do you know what body shop your car is at? Have you ever been there or called them? If you have not signed a written work authorization then they do not have legal permission to repair your car and it is therefore just sitting there.
2016-05-28 01:30:04 · answer #6 · answered by rochelle 3 · 0⤊ 0⤋
He should have done it as soon as possible normally if people delay in reporting there is a reason! And the company's start to smell a rat. A lot of companies have telephone lines manned 24 hours a day to report accidents -- if yours has one, phone it now!
2007-12-30 02:21:12 · answer #7 · answered by Gizzard Puke 4 · 3⤊ 0⤋
Only the insuranace company can write off a car, so how do you know it is unless you inform them. I would of thought that would of been on the top of your to do list. Get them told asap, as you are still paying for something you havent got anymore if it is a write off.
2007-12-30 02:21:33 · answer #8 · answered by Anonymous · 1⤊ 0⤋
1
2017-02-09 02:58:36 · answer #9 · answered by ? 3 · 0⤊ 0⤋
Why the hold up, if its all above board he should have informed them when the accident happened.
2007-12-30 02:20:58 · answer #10 · answered by maz22 c 6 · 3⤊ 0⤋