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Should you report a hit and run to your insurer if you have no collision coverage?
Wiki User
∙ 16y ago
Well, they will just formally deny the claim because there is no collision coverage on the policy, but I would anyway, just in case, (believe me I've seen these), two months down the road, the hit and runner, files a claim that you hit their parked car and left, and the damages could match up. Just to protect yourself I'd file it, and with the police as well.
Wiki User
∙ 16y ago
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Do I have to call my insurance company if other car hit my car and gave me his insurance company's info?
In general, yes. You are best advised to first call the other insurance company and see if the other person has reported the accident. If not, you can try to report it yourself, but the insurer will probably wait to resolve the claim with you until it has spoken with its insured and concluded its investigation. You should not assume that the other person's insurer will agree that its insured was at fault. Therefore, it is wise to report the collision to your own insurer too. If you have collision coverage (to fix your own car), the policy will require a prompt report of the collision and will give your own insurer the right to inspect the damage and prepare an estimate that it will pay. If the other party, or his/her insurer believes that you were responsible for the collision, a claim may be asserted against you.
What can you do if the person at fault in an accident claims to have no insurance?
You'll need to file an accident report, then notify your insurer of the loss occurrence. If your have collision or uninsured motorist coverage on your policy, your insurer can handle it for you. Your insurance insurance company pays you, they would then seek subrogation from the at fault driver.
How long to report an accident to your insurance company?
The sooner you report the accident the better. Most insurance policies contain language requiring that the report of the accident or other occurrence be made "as soon as practicable". The reason for this is that the insurer needs to conduct an investigation of the dynamics of the collision, especially if there may be a third-party claim arising from it. The insurer needs to get photos of the vehicles, the scene, interview witnesses, and attempt to control the medical aspects of the claim, if any. This is best done by the insured reporting the collision to the insurer soon after it occurs. The insured is also obliged to cooperate with the insurer in the investigation, such as by giving statements as required. If the insured does not cooperate, or does not quickly report the incident, the insurer may take the position that it has been prejudiced, that "conditions subsequent" to coverage have not been met, and therefore deny policy benefits.
What can you do if you are involved in an accident was not your fault and the other driver has no insurance?
if you have collision coverage file under that then your company will subrogate the uninsured driver...if no collision coverage you can file a state report, and/or small claims action.....
Does auto insurance cover a one vehicle accident without a police report?
If you have collision coverage on your vehicle, then your insurance should pay out whether or not there is a police report. It may, however, conduct a more extensive investigation to rule out fraud. This is particularly true because single car collisions may preclude subrogation by which the insurer attempts to recover its payment from a responsible third party.
What if someones insurance refuses to pay for the damage his insured caused?
Listen to the explanation. It can be because the insured did not have the specific coverage to pay for your damage. For example, if the other party had collision coverage only on his/her auto policy, it would not pay for your damages because it covers only damage to his/her car. Liability coverage would be needed to pay for your damages. Another reason might be that the other party, especially if insured under a commercial policy, might have a large self-insured retention. This is similar in nature to a deductible, but applies to the liability coverage. The insurer is not obliged to pay until damages exceed the amount of the retention. Yet another reason is that even if the other party did once have liability coverage, it may have been canceled because the personh did not make the required premium payments. The insured is generally required to timely report the collision to his/her insurer so that the insurer can investigate. If there has been no report, or if the insured otherwise fails to cooperate with his/her insurer, coverage may be denied. Finally, the insurer, after investigation, may conclude that its insured did not cause the damage. If so, you will have to decide whether to sue the other party for damages. If the occurrence was one to which the insurance applies, the insurer will generally defend its insured in the suit and pay those damages which the insured is found to be legally liable.
What happens if your car was involved in a hit and run while parked and unoccupied?
This would be paid from the comprehensive coverage on your policy. If you do not have this coverage, you will not get paid. Additionally, you should have called the local police and gotten a copy of the report. Comprehensive coverage has nothing to do with this type of dammage. If you had collision coverage at the time of the damage then call your claims department and file a claim. Your collision deductible would apply. If you didn't have collision coverage but did have uninsured motorist property damage then that may apply. if you didn't have either then you have a damaged car.
What if you were in a car accident and it was not your fault but you had no collision?
If the police report says the other driver was at fault, try to recover from his or her insurance company. If you don't have collision coverage, you can't collect from your insurance company.
What do you do after hitting deer in Washington state car damage?
If you have full coverage then you just call your insurer and report the accident. If you just have liability then your on your own. The deer likely has no insurance.
What happens to my license when some else drove my car had no license and had accident?
It depends upon a few factors. If the person drove the car with your knowledge and consent, was at fault for the collision, caused damage that exceeds a statutory minimum, and fails to pay the damages, that person's license and tags, and yours, will probably be suspended for a period of time. The rules and potential penalties for this are generally outlined in your State's Financial Responsibility Law. This may occur even without a judgment. If the person took the car without your expressed or implied consent, you should lay the groundwork for that defense. This is because in many States, motor vehicles are considered to be "dangerous instrumentalities", such that consent is presumed. If there was liability insurance on the car at the time of the collision, the insurer should be immediately notified of the collision. If the driver was named on the policy as a permitted user, all other things being equal, the insurer should defend or pay the claim. If the driver was not named on the policy, or if a car other than the one involved was insured on the policy, the insurer may deny coverage. In all events, report the collision to the insurer so that it cannot use "late report" or "failure to cooperate" as an additional defense to coverage. If you are sued, be sure to get the suit papers to the insurer ASAP. If there was no insurance, you may be sued for the damage caused by the collision. The amount in controversy will determine the court in which you are sued. If you lose at trial and a judgment is entered, there can be implications for your credit. Additionally, your license and tags can be suspended under the Financial Responsibility Law as described above. If your State adheres to a "joint and several liability" theory, both you and the driver can be sued, however, the claimant can collect only once--from either or some combination of the two of you.
Someone wrecked into my car and i need their insurance information all i have is the vin how can i get their insurance information?
If you have full coverage, just report it to your insurer and they will investigate it for you. If not, then you'll just have to find the owner. You can do that at your local police department when you make your accident report.
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
