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Do insurance companies check for police reports on a my fault claim to my own vehicle?
Wiki User
∙ 12y ago
Insurance companies not only check with the motor vehicle department for your driving record, they also have an insurance company system called C.L.U.E. which includes any and all claims paid as well as past drivers, insurance policies, and people who have lived at your address. On the insurance application you are asked for all this information. if you don't tell the truth the insurance company and usually the agent will know it immediately. It pays to tell the truth. I know this as an independent insurance agent.
Wiki User
∙ 12y ago
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Will insurance pay if you do not have a police report?
Police reports are not necessary, insurance companies can recreate the occurrence from the damage on the vehicle and determine who is at fault.
How exactly do car insurance companies use accident reports?
They use them as another version of the event. If they investigate the claim properly they will talk to the driver of each vehicle and any witnesses. Then they will look at what the police officer put in their report and take into consideration any violations that were issued by the police. Lastly the insurance company decides whether to accept liability or not for the damage.
How long do you have after a car accident to report and file a claim with the at fault's persons insurance company with no police repo?
Don't understand the part of the question about the "police repo," however, contact the at-fault party's insurance company ASAP - and if you have insurance coverage, contact YOUR insurance company as well. Both companies will want to begin investigations, take pictures of the vehicles, get copies of police reports and medical reports (if any injury), etc, etc.
Who determines fault in auto accident?
Insurance companies determine fault by looking at police reports, taking statements from the parties involved and witnesses, and looking at the vehicles.
What to do when you damage your vehicle backing up into another vehicle?
Most insurance companies will instruct you to call them first when you have an accident, unless there are injuries. You should call the police to get an accident report.
Do you need car insurance to transfer a car title?
Insurance would have nothing to do with transferring the title in most states. However, in order to register the vehicle and get a tag for it you normally have to prove that it is insured. Here in Georgia, the Dept. of Motor Vehicles has a system which requires the insurance companies to report policies on each vehicle and also reports when the policy cancels. A Police Officer can use the laptop in their cruiser to tell if you have insurance at the time you are stopped or go through a road block.
If you are involved in a minor collision and the police respond do they report the accident to the appropriate insurance companies?
No, the police never notify insurance companies of accidents or tickets. It is the responsibility of the insured party to notify their insurance company.
Is a police report required for an insurance claim?
It depends on how smoothly you want the insurance claim to go. Generally, insurance companies resist paying if there is no report to the police.
Will an insurance company pay if there was no police report?
Most insurance companies want a police crime report number before a settlement is reached.
On the police report is it the first vehicle listed the one that is at fault?
Believe it or not, police do not determine who is at fault the insurance companies involved do. They use information given to them from the police department, such as violations or speed information, but the police can not determine fault or liability. Order of listing vehicles on the report has no determination of anything
What happens if you don't contact the police after an accident Can you still file an insurance claim?
Most insurance claims do not require police reports. Some states require it for hit and run claims.
Can the insurance company assign fault legally. When the two sides have the opposite person at fault and without a police report?
Yes, That's what an insurance adjusters job is, The adjusters usually assigned by both insurance companies involved, asses the situation, review all pertinent facts and then jointly make a determination of fault and/or degree of fault and ensuing liability. Police reports do not automatically determine fault. Police reports are typically made by an officer after the accident has occurred, rarely is the responding officer an actual witness to the accident. So although a police report is very helpful to the adjusters it is not the sole determining factor. If the insured parties disagree with the insurance companies decision they can always hire legal council and take the matter to court for a judicial or jury determination.
