Can insurance up your rates if you describe them around an stroke of luck?
Had a fender bender almost 3 weeks ago, and everyone there thought it was minor desecrate, so everyone agreed unamimously not to call the police. Now the guy that got hit have more damage than he previously thought, so whats a police report now. Thinking something like notifying insurance, but my mom says not to (car surrounded by her name). Can they raise your insurance just by conversation to them? I mean, there be no police report so really there is no proof. Don't know want to do, because I want to notify them so I don't get within trouble, but my mother and everyone else say don't worry roughly it. Wreck happened b/c after a stop (and everyone gets close, the guy locked up his brakes going in the order of 15mph, b/c he was watching TV while driving.) Live in Florida and I belive its a no-fault state. When I call police later they said they can't write a report even 5 minutes after everyone left the scene.
Answers:
Yes, Florida is a no fault state, which means he reports it to HIS insurance, not yours. I'd still tolerate the insurance company know, just so they couldn't say you didn't report to them when you be supposed to, and either raise your rates for that or drop you.
The insurance wont do anything anyway without a police report. So don't fret none. You don't really inevitability to contact the insurance company.
Since they wont pay anything to anybody, it's as if there be no claim. Therefore no rates increase
No-fault does not mean what everyone think it means. You can make a claim against the at denounce party and get remunerated by his insurance. No-fault is something else entirely.
Your policy contract requires that you report all accidents timely. If you choose to discharge out of pocket you're setting yourself up for claims of additional damage, no control over the amount of the estimate, and no release so that the personage can still pursue you for a rental car, or hidden reduce to rubble or even unrelated damage. I have never see them go well (out of pocket settlements).
Unless you get the impression like you're going to get a break from this other guy by paying the damages yourself you should report it. Even if your rates turn up, will the increase be as much as what you'd pay out for the damages? Probably not. Source(s): claims person 16 years
When ever nearby is a rear ending, it is other consided the person that was contained by the rear to be at fault. If you do speak about your insurance company, it could increase the rates. I don't know how old you are, but if you are not living with your mother you could own a problem with insurance fraud if you are not listed as a driver on the insurance. Keep your person in charge about this.
Hope everything works out!!
Just tolerate things be. Pay for the damage and let it stir. If the damage is well above the deductible on your insurance after you can report it. If there was that much defacement, then the police should have be called and a report filed. Since that didn't occur, and I assume you are a young driver, it may be best to keep dormant about it.
These are just my thoughts, you do what you want, but check next to your Mother first since it is her car and insurance.
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Answers:
Yes, Florida is a no fault state, which means he reports it to HIS insurance, not yours. I'd still tolerate the insurance company know, just so they couldn't say you didn't report to them when you be supposed to, and either raise your rates for that or drop you.
The insurance wont do anything anyway without a police report. So don't fret none. You don't really inevitability to contact the insurance company.
Since they wont pay anything to anybody, it's as if there be no claim. Therefore no rates increase
No-fault does not mean what everyone think it means. You can make a claim against the at denounce party and get remunerated by his insurance. No-fault is something else entirely.
Your policy contract requires that you report all accidents timely. If you choose to discharge out of pocket you're setting yourself up for claims of additional damage, no control over the amount of the estimate, and no release so that the personage can still pursue you for a rental car, or hidden reduce to rubble or even unrelated damage. I have never see them go well (out of pocket settlements).
Unless you get the impression like you're going to get a break from this other guy by paying the damages yourself you should report it. Even if your rates turn up, will the increase be as much as what you'd pay out for the damages? Probably not. Source(s): claims person 16 years
When ever nearby is a rear ending, it is other consided the person that was contained by the rear to be at fault. If you do speak about your insurance company, it could increase the rates. I don't know how old you are, but if you are not living with your mother you could own a problem with insurance fraud if you are not listed as a driver on the insurance. Keep your person in charge about this.
Hope everything works out!!
Just tolerate things be. Pay for the damage and let it stir. If the damage is well above the deductible on your insurance after you can report it. If there was that much defacement, then the police should have be called and a report filed. Since that didn't occur, and I assume you are a young driver, it may be best to keep dormant about it.
These are just my thoughts, you do what you want, but check next to your Mother first since it is her car and insurance.
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