The terms of your Insurance Contract always require that you report an accident regardless of fault. This is because even however you do not consider yourself to be at fault, the other driver may report the accident to them anyway. Better to be safe than sorry.
What do you do when the at-fault drivers insurance company will not call you back?
Get a different lawyer. Call the Insurance Commissioners Office for the state in which you live and file a complaint. Insurance companies in most states are required to react to the Insurance Commissioners Officer and the party making the complaint within Ten days of receipt. In response to the comment above: If you have an attorney, the insurance company is not permitted to call you back. They are only permitted to talk to your attorney. My advice. I had a situation where I was going through a green light when the man on the cross street ran a crimson light and t-boned me. He was clearly at fault but his insurance company wouldn’t they wouldn’t accept liability because they couldn’t get ahold of their insured. That went on for over Three months! Clearly the boy was never going to talk to his insurance company. I didn’t know what to do. I didn’t know how to get the insurance company to stir on my claim. I was thinking about hiring an attorney but then I talked to this man on a plane who wields a subrogation company. He told me that getting an attorney would be counterproductive in this case. 1.) it would be hard to find a lawyer to take such an auto claim because the money is too petite. Two.) a lawyer would never actually take this kind of case to court because it would cost more to go to court than the entire claim is worth. Instead the attorney would attempt to negotiate the claim and take a diminished settlement so they don’t have to go to court. This is going to mean less money for youTrio.) the attorney is going to take a third of the diminished settlement they collected further reducing the money you would get. Four.) when an attorney gets involved in an insurance claim, it sets off warning signals to insurance adjusters and the claim is treated differently. namely the insurance company is going to hire and attorney to deal with your attorney and the entire process is going to be drug out over yearsThere is an alternative to getting an attorney however. You can hire a subrogation company that is a member of “intercompany arbitration”. The subrogation company can file arbitration against the insurance company and force them to the pay the total amount of the claim. I did this through the company of the boy I met on the plane. His company was called Cerberus Subrogation Professionals. www.cerberussubro.com if you want to get in touch with them. It went indeed well. I didn;t have to take a diminished settlement. I got the total amount I was attempting to get and it was way quicker and cheaper than getting an attorney. Utterly effective in getting the insurance company to act on my claim. As far as I know, Cerberus is the only subrogation company that is in the arbitration group. That is a indeed significant part of the equation. If the subrogation company is not a member of the group they can’t file the arbitration for you. The holder of the company attempted to explain to me how it worked but I didn;t indeed understand it. All I know is that they got my claim paid.
Does the insurance company have the right to total your car even if their insured was at fault for the accident?
Your car being deemed a total loss does not have anything to do with the liability of the accident. Your vehicle becomes totalled when the repair cost exceeds the local market value of your vehicle.
Do you have to let the insurance company total your car if you were not at fault?
Liability, or whether or not you are at fault, has nothing to do with your vehicle being deemed totalled. If the repair cost exceeds the local market value of your car, it is a total loss.
How do you appeal when the car insurance company finds you at fault and you are not?
Please give me more information, and I’m sure I can help. Facts of loss? Exactreason they denied your claim? They must give you the reason that your claim was denied, or that you were found neglient. You can file with your company then they can arbitrate the claim for a decision, you can contact the dept of insurance for your state. You can file suit (puny claims if under the limit), if you secure a judgment against their insured they will have to pay, (barring any appeals of course), but need to know the reason for denial, to be of real help to you.
How will an at-fault accident while driving a company car covered by corporate insurance affect your private insurance premiums in the future?
Unluckily, IF and that is IF your private policy insurer finds out, if they do a yearly check, their may be a surcharge applied. Please recall that if ever confronted with that question from your insurer, always be truthful or they could cut you. I am a Broker
Do you have to pay taxes on car accident settlement from the at fault insurance company?
I am a resident of Fresh York State and was involved in a individual injury accident. The settlement that I received is considered wages. You will have to check with your state and local tax laws. I am sure that a phone call to Jackson & Hewwitt or H & R Block in your state will work as well.
If you was in a car accident that was not your fault and you do not have insurance can you receive money from the other party’s insurance company?
Every once in a while you will hear of a proposed law “Pay to Play” which says that if you are driving illegally without insurance that you can’t expect to receive payments from an insured driver that runs into you. While I and many other people might like such a law, I have never heard of such a law that is in place at this time. So, if you are truly not at fault in the accident then I would imagine that you should be able to get payment from the at fault party.
Do you have to tell your insurance policy that you were involved in an accident with a company car even tho’ it was not your fault?
U should .
I heard that u should, and if your private insurance finds out that u were involed in a accident with a company car under company insurance ur insuance can be black list u..
i could be wrong.
If your attempting to get insurance for the very first time and you were involved in an accident with a company car under there insurance and it was not your fault do you still have to tell the insurance polic?
accident and Ins .
I had a minor at fault accident with a company vehicle. I provided my current car ins co with a letter from my old car ins co stating that they did not pay a claim on this accident. My fresh ins company accepted it and disregarded the accident..
You can do as above albeit it is best to tell insurance about all incidnets just in case other wise any undisclosed information could invalidate claims
Can you fight your insurance company in a your fault accident after they immovable your car when it should have been totaled?
Absolutely! Regardless of fault, if you carry sufficient coverage (collision/comprehensive) you are entitled to have your vehicle either repaired to a “safe” standard, or a write-off payment received. The difficult part of proving such is in the time boundaries. DO NOT wait too long to seek a claim for a total loss. There is always the cargo of proof in this case, where you may have bruised your vehicle “after” the fact, and after such repairs were made. Note any demonstrable harm, (eg. Doors not opening decently, engine problems) and have a certified bod shop/mechanic inspect the vehicle RIGHT after the initial repairs are made..
Generally an insurer will have an appraiser re-evaluate the damages to see if indeed, they were caused by the accident.
If someone hits your car and they’re at fault can their insurance company reject to pay if you don’t have insurance?
in some cases this is true but you should get a lawers help incase you end up injured and not know it yet?? leagal help is always nice in these cases plus there help is advice is free there time cost…..
absolutely not, this has happend to me. if they attempt it get a lawyer asap. i did not risk it. got a lawyer and about 25 thousand dollars.
When a car with only liability insurance and a salvaged title is totaled a 2nd time what is the responsibility of the at faults insurance company as far as replacement?
The title is irrelevant, they need to put you in equal transportation during the claims process and issue you a check based on the cars book value. If they give you less then you feel is reasonable you do have the capability to negotiate. You better have logical well thought out facts tho. In other words, what will it cost to substitute your vehicle with an equal to your vehicle?
Can carriers raise your premiums for a serious accident where your car is totaled and the insurance company pays for your car but the insurance investigator ruled that the accident was not your fault?
yes if your ins.co. pays for your car..
They CanEven if they don’t pay for your car. My agent warned me that my homeowners premiums could be raised just for filing claims! They used to send an adjustor out automatically if there was a hailstorm or windstorm, but not any more. I just dreamed an ajustor to estimate the harm last spring and let me know if it would exceed my deductible.
Your car was written off by the at fault drivers insurance company what if the settlement figure is not enough for your finance company?
The amount suggested by the at-fault insurer should be the equivalent of the balance to finance company. Take NO LESS than that!!! This is called “indemnity” .
Use that word with the insurer… that will get them sitting up straight!.
Use that word and they may laugh at you. Insurance pays the VALUE OF THE VEHICLE. You can purchase Gap Insurance, usually through the financing company, which will cover the remainder of the loan.
When you are not at fault for an accident does the insurance company owe for collision insurance that I buy on the rental car?
“No” , not in most cases. I am assuming for the sake of answering your question that the facts are similar to this; you were in an accident you were not at fault the other company has accepted liablity for the loss, and put you in a rental while your vehicle is being repaired you only had liablity coverage on your vehicle (the one in the shop). But of course need collision and comprehensive on the rental you are now using. They do not owe to pay for this coverage for you (subject to any state laws to the contrary, you could call your states dept of ins. for that reaction, but I know of no states that require this). The presumption is, you didn’t think it was necessary to cover your own vehicle for coll and comp so why would they pay for it on the rental? I know your vehicle was older, this one is fresh, etc. I totally understand, but I have seenvery fewof these where the ‘at fault’ company will provide this coverage, you can of course buy/pay for a harm waiver for this rental with the rental car company, or contact your agent, and ask if there is anything they can do about a ‘brief term’ collision and comp coverage for this rental (but again I doubt this too)…..sorry, If I can be of any further assistance please let me know more details and I will do my best to help.
Do you have to call your insurance company after an accident where your car has no harm?
no you dont. if you do not with to file a claim you do not have to report it.
no you dont. if you do not with to file a claim you do not have to report it
You were recently in a car accident their insurance company went with a 5050 split you got your insurance company involved and they found the other party 100 at fault what is the next step?
Let your insurance company know everything that you know about the accident and about what the other person’s insurance company has proposed, and then let your insurance company treat the rest. If the other person was 100% at fault for the accident, your insurance company has a very powerful incentive to reject the counter-party settlement suggest of a 50/50 split..
Let your insurance company know everything that you know about the accident and about what the other person’s insurance company has proposed, and then let your insurance company treat the rest. If the other person was 100% at fault for the accident, your insurance company has a very powerful incentive to reject the counter-party settlement suggest of a 50/50 split.
If you are in an accident and at fault will the insurance company repair your car?
It depends on what company you have insurance with, where you live, and how much coverage you have been paying for. I have The Hartford Insurance. I was in one, I was at fault and they paid for repairs on the other stud’s car and my car. It all depends on how much coverage you pay for in your premiums..
Does my insurance company have to fix my car when if I’m at fault?
If you have a third party only policy no. If you have a comprehensive policy yes..
If you carry “collision insurance”, your company pays no matter who is at fault. It’s pretty much mandatory coverage if it’s a fresh car so the lender can protect it’s investment.
If you have insurance and are driving somebody else’s car if you have a wreck who’s insurance company do you call?
You would call the insurance company of the person’s car that you are driving. The insurance goes after the car and not the insured.
If you were in an accident with no insurance and it was not your fault but the other car at fault has insurance and was issused a ticket will there insurance company pay you or the bank?
The at-fault party’s insurance should cover your vehicle..
EVEN However OUR INSURANCE HAD RUN OUT BY AMONTH?
Does liability insurance cover your car if you are at fault?
Your liability portion of your auto insurance pays for injury anddamages for which you are liable to others. Your Comprehensive and Collision portion of your auto policy willcover your own vehicle. One can not be liable to ones self. If you have “liability only” coverage, then their is no coveragefor your own vehicle if you were at fault.
If a driver has no insurance but drives a car covered by no fault gets into an accident will the proprietor of the car be able to file a claim with his insurance company?
No fault laws refer to injuries only not property harm. If you have comprehensive and collision coverage on your vehicle the harm to your car will be repaired subject to your deductible, unless the driver is excluded from your policy. For the driver’s injuries if he does not own a vehicle then the individual injury protection on your policy will cover his injuries, once again subject to any exclusions.
Car is at fault but they have no insurance?
I can tell you what happens in the State Of Alabama… Where we have a MANDATORY insurance law… To “protect” the law obiding, insurance carrying citizens from suffering a loss due to an uninsured motorist…..
Even tho’ we have a LAW, it is a paper tiger..
I have dialed numbers until my fingers are blistered. I have talked on the phone until my ears are sore and my mouth hurts. In the end, I have been transferred, given wrong numbers and told to contact my congressman to “strengthen” our mandatory insurance law..
I did find out one thing tho’, we have a form called an SR-13 that can be downloaded from the Alabama Dept. Of Public Safety website. Even however this has nothing to do with the law or disturbance of it, it is tied to an old law that protects people from suffering a loss in the event of an accident with someone who has no insurance. Basically, their license will be suspended from anywhere inbetween Two and Ten years. Depending on the circumstance. If you are in Alabama, call the Dept. Of Public Safety and ask about this form or go to the website… http://www.dps.state.al.us/ and go after the quick links.. If you’re not, contact the same department in your state and begin there. Hope this helps.
What do you do if you get into a car accident with no insurance and you are claimed to be at fault?
You pay all of the expenses out of pocket. Medical, car, everything. Also get a lawyer because if you cannot afford to make the repairs you can get sued by either the other driver or there insurance to get the money back from you not having insurance.
What is the responsibility of the insurance company of the at fault driver in a no fault state?
Instantly after an accident, you should call your insurance company and they will tell you their responsibility in that particular state. Your agent should have given you that information when you purchased your policy. Each state has slight differences. An insurance agent in this state is not licensed to comment on the insurance policies of another state.
What if one insurance company mine not at fault said the car is a total loss but the other insurance company the at fault said they can fix it?
As far as i know the not at fault Insurance decision will prevail over the the one at fault. Besides there are certain “rules” that all insurance companies goes by when they take a determination whether or not a car is totaled. If by any chance the insurance companies can’t agree they go to an arbitrary service provided by state for insurance companies and they can come to a decision.
How long after no fault car accident do you have to get settlement from other parties insurance company?
Varies by state to state. Usually its a 1 year period. Contact an injury attorney near you.
Whose insurance should I call if there was a car accident and it was their fault?
I would call their insurance, if you did not know who they are or they didn’t have insurance, I would call your company and they can get the ball rolling.
Do you need to report to the insurance company if I am at fault?
RUN, don’t walk, to your agent! The worst thing for you is to not report an at-fault accident and THEN the insurance company finds out from the other party who you hit. Having spent 23 years in the insurance field, I can tell you that your insurer is in a much better position to evaluate an accident and treat third parties than policyholders are. In addition, waiting puts you and your insurer in jeopardy of not treating the situation in the best, calmest, and most legal manner. B y that I refer to those situations where you may be tempted to have a handshake agreement with the third party to “pay for ” their damages. How much will that be? Can you afford to pay “right now?” Will you get a properly-worded “release” from the third party so they cannot come back later against you for more money? In brief, “Do it Yourself” claims treating is a bad idea and some folks simply don’t know what they don’t know. Please don’t be one of them.
While in 7-11 a car ran into my car I got the insurance information can insurance company deny payment for their at fault customer because they cannot get in touch with them?
Eight ways to obtain the best car insurance: 1. Go for a low band railTwo. Grab extra qualificationsTrio. Insure a 2nd driver on your policyFour. Up your voluntary excessFive. Go for a ‘no frills’ policy6. Build up your no claims discount7. Soup-up your car… 8. Think about how you’ll pay
When in a car accident that is not your fault dose the other Insurance company pay for the car rental Insurance?
Yes, as long as you had comprehensive and collision insurance on your own policy. Rental companies require you to have these and the other party will not pay for them.
How do you deal with an at fault insurance company that is slow?
If you feel something has been treated improperly, you should file a complaint with your states insurance department.
Will the Insurance Company pay for a rental car if the accident is your fault and if you have utter coverage ins?
Only if you have bought the extra coverage to have a rental. “Total coverage” usually just means you bought liability, comprehensive, and collision insurance.
What do you do if the at fault drives insurance company turns down to cover damages to your car?
That’s your insurance companies problem, let them deal direct with them on your behalf (their job) and the two can determine which one pays. Just get some estimates and have the deductible ready.
What if the delay in filing an insurance claim is the fault of the insurance company?
That’s not very likely. The insurance company does not file your claim, they accept your claim notice from you. You have to file your claim with the company, not the other way around.
Does an insurance company called Axa insure cars?
Yes, AXA does provide car insurance. They also provide insurance for your house, travel insurance, medical insurance and life insurance for people ages over 50 years.
Can you sue the at fault driver and the insurance company?
You do not sue the insurance company. Any suit is filed against the at fault party only. The insurance company will defend their client and pay damages according to the terms of the policy.
What do you do if you get into a car accident and have no insurance and your at fault?
Plead and Pay. You will be responsible for all costs associated with the accident. If you don’t have the funds to pay the entire claim the more than likely the other party will file the claim on their uninsured motorist section of their auto policy. The UM will act as your insurance would have if you had insurance. They will then come after you for all amounts paid, plus interest, legal fees, and collection costs. In order to keep the legal and collection costs at a minimum you should attempt and work out a payment plan with the insurance company. Depending on the state you live in you will very likely face severe penalties, fines, and loss of your license. Some states will take your license until the amount owed is paid in utter. You may be able to get a limited permit to go back and forward to work only.
What happens not your fault someone hits your car but does not phone their insurance company?
You can always file a claim on their policy. If they do not cooperate with their insurance company, the company has to give them the state required days to react before they make a ruling on fault.
What if the driver at fault will not call their insurance company to report the accident?
If the other party is refusing to call their insurance company – then you should call their insurance company and file the claim.
Can a passenger in my vehicle come after my insurance company after an accident that was not my fault and the car that hit us had insurance?
If you have medical, yes because your medical under your car insurance covers your passengers, regardless of fault.
Will your insurance cover your car if you were at fault?
If you have total Coverage Auto Insurance, Then the Comprehensive and Collision portions of your coverage would pay for damages to your own car. If you just have liability insurance only. Then you just have coverage for the other car and there is no coverage for your own vehicle.
Should you contact the at fault insurance company for car damages?
No you don’t have to call the at fault insurance company. You have to get the information from other driver, give this information to your insurance company/agent. You have to get the collision report from reporting center. If the harm is more than $1000 and somebody is injured too, you may call police and send the police report copy to your insurance co.
Will your insurance company still pay for the damages to your car if your daughter who has no drivers license and who was not at fault for the accident drives the car at time of accident?
Very likely not, as most policies only cover drivers not listed on the policy if they were given permission to drive. If you gave your unlicensed daughter permission to drive, then you can be issued a ticket. However, if the accident was not your daughter’s fault, then the at fault party is responsible for the harm they caused to your vehicle, regardless if the other party was licensed or not.
Are there any insurance companies in Ontario that sell no fault insurance?
No-fault insurance generally refers to the individual working with their own insurance company, despite who may have been at fault for the accident. In Ontario, the Ontario Auto Insurance sells no-fault insurance.
What is the meaning of no fault car insurance?
No fault car insurance is coverage designed to compensate victims of car accidents via their own insurance company, regardless of which driver was in fault.
What are the benefits of Florida no fault car Insurance?
Florida’s no fault car insurance pertains to medical payments. The insurance states that the insurance company will pay for your bodily injury claims regardless of who was at fault for the accident. Harm done to property (i.e. the car) would still be covered by the at fault party. The Florida no fault car insurance is a benefit because one does not have to worry about not having their medical needs covered because the accident was the fault of the other party and they do not have sufficient insurance.
Do you tell your insurance company about an accident if it was not your fault?
Yes. Your policy most likely says something to the effect that youmust report ALL accidents you’re involved in.
How do you avoid your car being totaled by the at fault guys insurance company?
You can’t truly avoid it unless you can find a place that willrepair the vehicle at the amount the insurance company says it isworse. They have standards to determine a total loss that must bemet.