call the At Fault company and advise you need to report a claim...give them all the info you have on their insured, they can set up a claim and proceed with the claim investigation..if you need more info/help please provide more details and I'll see what i can do.........
Usually if an accident is determined not to be the insured's fault, then their insurance rates will not rise as the insurance company did not lose any money from covering the driver involved in the accident. If the accident is determined as being inconclusive, the rates may rise some, to adjust for the amount of money the insurance company lost in the accident.
Auto accident attorneys represent individuals involved in car accidents. These attorneys can represent plaintiffs or defendants and may be hired by a driver’s insurance company to represent the driver or the insurance company. Plaintiffs’ automobile accident lawyers are available for those that have suffered injuries in a car wreck. The lawyers will consider the case and if there is a potential lawsuit. If so, auto accident attorneys will notify the other party or parties in the wreck. The case may never go to court and the auto accident attorneys may work out a settlement that all involved parties agree to. Defense lawyers for car accidents will assist parties that are being sued after an auto accident. An auto accident attorney that works on the defense side will attempt to show that there was no fault on the part of the driver he or she is representing or try to negotiate a lower amount that that person will have to pay for the accident and any injuries. An auto accident attorney may be retained or hired by an insurance company. Car insurance companies will hire attorneys on behalf of their clients as the attorneys will help reduce the liability costs that the insurance company may have to bear after an accident. The auto accident attorney does this by working in a similar capacity as he or she would as a defense attorney. The aim is to settle for an acceptable amount or demonstrate that there was little or no fault on the driver being sued. Additionally, an insurance company’s auto accident attorney may work to recover costs from another driver or insurance company. The auto accident attorney functions like an attorney for a plaintiff. The car accident lawyer pursues payment of costs incurred by the insurance company in covering damage or injury suffered by the driver. As a result, the driver that was not at fault gets all repair costs paid for, but the insurance company recovers that money from the driver that was at fault without the driver without fault having to wait for a settlement.
First of all you are really lucky that this accident was not your fault. The person who was at fault is responsible for your vehicle damages. If he is insured, then it is his insurance company that is responsible. ** Depending on your states laws, you can loose your drivers license for up to a year for not having insurance and being involved in an accident. If you received a citation at the scene of the accident for no insurance, you need to pay for that also.
Your old insurance company will be liable. You should be calling and talking to your claims department
No he have to listed as a second third or household driver for being cover by insurance
It is a bruise from being involved in an auto accident.
Your mom could loose everything by being sued by the other drivers insurance company. Because you are unlicensed and took the car without permission her insurance company will not cover the accident and you are likely to get a ticket.
No. That happens all the time. People often make a police report just in case they decide to make a claim. Later, they never contact their insurance company due to it not being worth the hassle. Four years ago, I was involved in a minor accident in which the other person left. I made a police report but since the damage was so little, the officer told me I'd be better off not making a claim. I never made a claim or notified my insurance. I have since bought 2 new cars that have been quoted for insurance by multiple companies and insured by the same company I had at the time of the accident. Everything has been fine; haven't heard about it since then.
Yes. If the claim is being made on your insurance. For example, if the damages are $2000 and there is a $500 deductible, the insurance company will pay $1500.
Depends, if a tree falls on your car and you pay for damages yourself then no. If another party is involved in the accident then yes. The reason being is even if you don't report your damages on your insurance the other party may report to theirs. The data from the accident is then reported into the CLUE insurance database and will cause your rates to raise since the database 'sees' that you were involved in an accident. Bottom line, it's best to report to your insurance yourself and let them pay out since you're going to feel the pinch anyway.
It is important after you have an accident and your car becomes useless as your insurance company will have to pay up. Has your car been "totaled" by the insurance company claims adjuster? Is it now being towed to a salvage yard because it has been rendered unusable in an accident? The laws of states vary somewhat, but typically there are state laws involved with "totaled" vehicles in order to keep unsafe "junk" from being driven on public highways. Part of each insurance companies procedures must follow the state statutes in order to comply in the claims process. For more information read the source link below
insurance can protect you from a fear from death, injure, loss of property and also from a harm caused by you to somebody (for example if you are involved in a road accident but instead of being a victim you must pay a fine)