The claims process should be quite a bit easier.
What some companies do is waive your deductible for both parties.
The same thing that happens if you did not have an Sr22. The at fault parties insurance generally pays for the accident.
Your insurance will care of the damages. If you don't have insurance, the other parties insurance will take care of the damages and then go after you.
Just file a claim with the other parties insurance company. You called the police and got an accident report, right?
In the event of an accident, you should gather the insurance information of all parties involved, including their insurance company name, policy number, and contact information.
Your expired plates should not cause an insurance claim to be paid.
Assuming in this instance the uninsured driver is the one at fault, he or she is still liable for any property damage & personal injuries that may have resulted from the accident. The injured party will make a claim against his or her uninsured motorist policy. But that insurance company can, and often will, sue the uninsured driver.
After an accident, all parties involved with the accident should exchange insurance information. Typically, the insurance companies will talk to each other about repairs and cost.
file and pursue a claim or dont. If you do file , file a police report, get a copy of the report and have your property insurance company pursue the claim against the insurance company covering the party or parties involved in the auto accident
If an accident occurred, it is not uncommon to find damage after the fact. Even in slower collision, there can be damage underneath the bumper of the vehicle. Happens all the time. In those circumstance, the party at fault can choose to either pay out of pocket for the damage or file the claim with their insurance company.
If the rental coverage is included in your policy, probably. However if the other parties insurance is accepting responsiblity for the damage then I would be asking them for a rental.
Generally speaking, no. It usually takes at least a few days for the report to be completed so whatever you get at the scene of the accident won't be much. Whatever the insurance company got from the police, you should be able to get it too.
if u both left and someone is filing insurance claim, BOTH parties will get charged with Leaving the scene of an accident and may not be able to file insurance claim