Not contacting car insurance company after accident

I may be wrong on this but I think you are actually OBLIGATED to report the accident.

That piece of info is very needed for the vehicle’s history report(s.)

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11/22/2022 15:24

Subject: Not contacting car insurance company after accident

quote

Anonymous

Anonymous wrote:Why would I you go through your insurance? It will just make your rates go up. His insurance should pay.

You don't know what you are talking about.

If you are involved in an accident that is not your fault, you most definitely need to get documentation. You should call the police, get a police report and report to your insurance. If you don't get confirmation and documentation, what do you think happens when the other driver later denies that it was her fault and says it was your fault? If you are in a no-fault accident or an accident that was attributable to another driver, then your rates will not go up. Your rates only go up when you are in an accident that is your fault.

When it is not your fault you should not leave the scene of the accident, nor should you allow the other driver to leave the scene of the accident without getting a police report, written confirmation that it was the other person's fault and exchanged insurance information (or at a minimum, acquired the other driver's insurance information). Last, if you cannot get a police report (like if a police officer does not respond when called), then you should get photos of the scene, the other driver's license plate, the damage done and a wide angle to show the positions of the cars. These photos can be used to corroborate your version of the story if you don't have a police report.

report

11/22/2022 15:28

Subject: Not contacting car insurance company after accident

quote

Anonymous

Anonymous wrote:

Anonymous wrote:Why would I you go through your insurance? It will just make your rates go up. His insurance should pay.

You don't know what you are talking about.

If you are involved in an accident that is not your fault, you most definitely need to get documentation. You should call the police, get a police report and report to your insurance. If you don't get confirmation and documentation, what do you think happens when the other driver later denies that it was her fault and says it was your fault? If you are in a no-fault accident or an accident that was attributable to another driver, then your rates will not go up. Your rates only go up when you are in an accident that is your fault.

When it is not your fault you should not leave the scene of the accident, nor should you allow the other driver to leave the scene of the accident without getting a police report, written confirmation that it was the other person's fault and exchanged insurance information (or at a minimum, acquired the other driver's insurance information). Last, if you cannot get a police report (like if a police officer does not respond when called), then you should get photos of the scene, the other driver's license plate, the damage done and a wide angle to show the positions of the cars. These photos can be used to corroborate your version of the story if you don't have a police report.

The other thing that I forgot to mention is that it is important to get your insurance company to act as your agent.

The other driver's insurance company is only responsible to their own client, e.g. the other driver. It is their goal to spend as little money as possible. If they can find a way to get this documented as not their client's fault, they will not have to pay. If you only go through their insurance and do not contact your own, then they will also try to pay as little a possible. If you want your car repaired at the dealer or a specific repair shop that you trust, they may decline and have it assessed by a cut-rate assessor who will low-ball damages and try to pay less than necessary for repairs.

If you work through your insurance agent, that agent is working for you. It will be their job to help protect you and get what you are deserved for repairs. It will be their job to assert your lack of fault in the accident, establish the fault and responsibility of the other driver and to ensure that if there are any legal issues, that they will abrogate and represent your case with their lawyers and leave you out of the legal wrangling.