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How long can an insurance company wait to decide that an accident is surcharge-able?
Wiki User
∙ 11y ago
Usually any increase or decrease in premium due to tickets or accidents will not take effect until the renewal date of the policy. This is standard across the industry.
Wiki User
∙ 11y ago
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Can you still collect on your own insurance without paying the deductible after an accident.?
If you have collision coverage on your vehicle you can collect from your insurance company for the damages. You will not have to pay the deductible if you were determined by the insurance company to not be at fault for the accident. They then go after the other insurance company to get the money they paid you back. If you do not carry collision coverage then you need to file with other insurance company, they will then decide who was at fault for the accident if their party was at fault they then pay you for the damages to your vehicle.
Can you change auto insurance if you just was involved in an accident?
You can change your auto insurance at any time. It is up to the company to decide whether or not to accept your claim.
What do you say to the insurance company when no one was cited in an automobile accident?
Report the claim anyways. Tell the truth and let the insurance company decide how to proceed. Remember, if you are paying for the insurance, you should expect claims to be paid if you have the coverage.
What should you do if your brother got into an accident driving your car and is not on your insurance policy and doesn't have his own insurance?
The claim will be made against your insurance and the company will decide if they will pay it. If they do, your rates will increase. If not, the responsible party will have to pay for the damages.
How does car insurance work after an accident?
The way car insurance works after an accident is that a report must be made to the insurance company. They will review it and then decide what you new insurance cost will be. Answer: Accidents need to be reported to your insurance company as soon as possible whether you or someone else caused the accident. If police were called to the scene then you must obtain a copy of the police report as well to be sent to your insurance company. All of this if you plan to file the insurance claim through your or the other drivers insurance. Some have accidents but the repairs are so minor that they pay out of pocket rather than getting the insurance companies involved.
What is the first step in placing an auto insurance claim?
First contact your car insurance company and tell them the details to the accident. They will help decide whether to fill out a claim or not. Many times you can do it either online or on paper at their office.
If someone with auto insurance hits your car do you still need to report to your own auto insurance?
It really depends what state you live in. Although if you have full coverage on your vehicle you should report through your company and your company will go after the other insurance company to get their money back. If you have no collision coverage for your vehicle then you will need to file with the other insurance company and they will decide who was at fault for the accident, if their insured is at fault they will repair your vehicle
Why is fault important?
Fault is important in deciding several factors. In an accident, fault could decide who pays for damage, or which insurance company and driver might be sued in the event of a court case.
When and how do auto insurance claims impact your auto insurance rate For example I have reported the accident but have not yet made a claim. The other vehicle also may not make a claim.?
First always get a police report, this is reporting. You should always tell your insurance company, in case the other party is trying to commit fraud. (Fraud makes everyones rates higher.) If you have reported the accident to your insurance company you have made already made a claim, if you decide not to have insurance company repair your vehicle, most of the time your rates should not change, this all depends on the insurance companies underwriting guidelines.
What if you have a fender bender accident and no police report. can the person you hit still file a claim on your insurance?
Absolutely. You have an obligation to report it to your insurance company and to cooperate with the settlement of the claim. If it was very small you can try to deal with the person directly to keep it from going on your insurance. Be carefull with this because you can't try to settle it your self then turn it over to your insurance company. You can contact them and ask them to get an estimate before you decide.
What are the insurance rates for commercial boats?
Insurance rates depend on which insurance company you choose to do business with. When you decide which insurance company you want to insure your commercial boat, you fill out a quote for your particular coverage.
Can you get auto insurance if you do not own a car?
Yes you can, it's called a named non-owned policy. It covers you to drive a vehicle you do not own, and it only covers you to drive a vehicle that does not have insurance. If you borrow a friends car and have a name non-woned vehicle and have an accident, the insurance follows the vehicle, so their insurance will pay. That company may subrogate and come after you then it would be up to your insurance company to decide if they'd accept liability.
