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When getting a new quote for auto insurance do you have to disclose a claim if the police and no one else were called will they find out?
Most insurance companies report the claims that they pay to the C.L.U.E (Comprehensive Loss Underwriting Exchange)database. This means that your claim will show when your new or prospective company gets the C.L.U.E report. You can't escape your claims.
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If you are shopping for car insurance is it necessary to disclose past accidents even if there is no police record of the incidents?
Yes it is as other insurance companies will hold a record. Not disclosing is fraud.
How do you find auto insurance policy of a person?
AnswerIf you were in an accident with this person and a police report was filed, the police department will likely have this information. If a police report was not filed, you can either file a report after the fact or take the person to small claims court. The police and/or judge may be able to compel person in question to disclose the information.
Who do you notify when involved in an accident?
Medics , police, insurance company, family are to be called.
If asked should police disclose they are police?
No, undercover officers are not required and should not disclose that they are the police. There is no law in any state in the US that calls for such a disclosure. All departments have rules of disclosure for uniformed officers. They must give anyone asking their identification number (badge number)
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 will happen if you rearend someone with no insurance no damage done it was at 20mph no calling the police or their insurance they decide to see how they feel in a few days can they file claim?
Yes, they can. The fact that they have no insurance and the Police were not called has no bearing. If they do decide to claim for any injuries, your insurance company will scrutinize it, but not necessarily deny it.
Is an accident on a grocery store parking a private matter or do the police need to be called?
Calling the police lets the victim file a police report to provide for both insurance and legal reasons.
If you rear-ended another car but the police were not called can the other driver demand money for repairs or your insurance information?
Yes. In a rear end accident, the liability is still there even if police are not called.
Do police have to disclose to you what they are looking for when they come to your house with a search warrant?
Yes, part of your miranda rights
If you get a ticket and get points on your insurance can you fight them if the cop did not tell you you would be getting points?
You can appeal a ticket surcharge that is imposed by your insurance company with your state insurance department but you will lose if you try to blame the police officer. Police officers have no responsibility to inform you of what might happen to your insurance if you get a ticket. In fact they don't care what happens to your insurance rates, if you violated a traffic law you should expect to get a ticket.
Can the lien holder buy car insurance?
A lienholder may purchase what is called Collateral Protection Insurance in the event the debtor fails to provide collision insurance. Remember, the lienholder is not concerned with the liability insurance policy that the state requires. They are only concerned with you maintaining insurance that protects their investment in the vehicle. If you are pulled over by the police, the Collateral Protection Insurance will not be adequate insurance for the polie. The police are looking for you to maintain liability insurance.
Can you file an insurance claim if you did not get a police report?
Yes, you do not need a police report to file a insurance claim.
