Reply to Not contacting car insurance company after accident

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[quote=Anonymous][quote=Anonymous]Why would I you go through your insurance? It will just make your rates go up. His insurance should pay. [/quote]

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.[/quote]

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