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Does a passenger in a car accident have to file a claim with their own insurance company?
- When a passenger is injured in an automobile accident, and the driver of the automobile of which he/she is the passenger of, is "at Fault" for the accident, the passenger of that vehicle has the legal right to file a claim against that drivers insurance carrier. If on the other hand, the driver of the other vehicle is "at fault", then the passenger of vehicle that is "not at fault", has the legal right to file a claim against the other driver's insurance carrier. And whenever there are injuries sustained in an automobile accident, you should contact personal injury attorney or law firm to represent you against the filing of your claim against any insurance carrier. "At fault" accidents are not final just because a citation has been issued. When a carrier receives a claim against their company, they will launch their own investigation of the cause of accident, and review the police report, and speak with any independent and passenger witnesses who can provide statements concerning how the accident happened.
At the end of the carrier's investigation, which will also include, taking pictures of both of the vehicles damages, will compile all of the information they get, to try to determine at that point, who was at fault. If their insured is determined to be at fault, the carrier will pay the claim for which the passenger has filed against them. If the carrier determines that the other driver was at fault, then the carrier will not pay the claim and deny liability. If this happens, the passengers legal representatives will automatically withdraw their lawsuit filed on your behalf, and file the lawsuit against the other drivers insurance carrier.
- I was in a one car accident where the car ran off the road to avoid hitting something. I was the passenger of the car. If my medical insurance from my job pay for the my hospital bills is the insurance company intitle to pay me back the money even though my insurance covered it
- In the UK - the passenger would make a claim against the driver at fault. This driver would pass the details to his insurer who would indemnify him for the claim made against him. A passenger could not make a claim against his own insurer. To see the process for making a claim in the UK see the related link entitled "motor vehicle accident".
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Yes, if a police report was filed then it is probably on your motor vehicle report. The good news is that with most insurance companies, if the insurance company did not pay a…ny loss or no more than $400 then the accident is not chargeable. If it was a one car accident, no problem, otherwise you may want to check to make sure nothing was paid to the other party or their company without your knowledge. As a matter of full disclosure, I own and operate a small Independent Insurance Agency and have for the part 22 years. Before that I worked as an agent for a direct writer insurance company.
Answer no you dont. if you do not with to file a claim you do not have to report it Answer no you dont. if you do not with to file a claim you do not …have to report it
You can put in an offer to buy the written off vehicle from the Insurers if you want to repair it yourself. A write off is beyond economical repair, meaning it costs mor…e than the car is worth to fix it. It doesn't mean it cannot be repaired. There are different categories of scrapped vehicles, D, C etc. The Insurers sell the written off cars on to scrap merchants or motor traders to recoup their losses. You are perfectly entitled to buy the car back yourself for a nominal price. If the Insurers are settling your claim and giving you a settlement to get a replacement car, the damged vehicle does in effect belong to the Insurers. Hope this helps, I worked in insurance for 10 years.
If you had an accident with no other cars involved and filed a claim to insurance with no police report do you have to report this accident to the new company if you get different insurance?
Answer If you don't the new insurance company can cancel your coverage and possibly not cover any of YOUR losses. They might also consider it to be fraud. Any acci…dent less than $750 isn't chargeable, but if you filled a claim with another insurance company your new company would found out even if you don't tell them, when they run your MVR which shows your tickets and previous insurance companies and claim paid.
How long do you have after a car accident to report and file a claim with the at fault person's insurance company in California?
30 days Typically you have 30 days to file.
How long do you have after a car accident to report and file a claim with the at fault's persons insurance company with no police report?
With any claim, you will want to report the incident ASAP. When I've had incidents, I've always done it same day. Anyhow, your specific policy will let you know how long you h…ave. and it's usually 30 to 60 days depending on the carrier. At any rate, you will want to contact your own insurance first and they should then contact the at-fault's carrier, unless you lack insurance which is completely dumb in the first place. The reason you will want to report ASAP is because most insurance companies require that you "keep the car from further incidents and damage" until the claim is settled and/or filed. The reason for this is to prevent fraud. I think the first paragraph is explaining how quickly you should tell your own insurer. The question, however, seems to suggest that the person at fault is another car driver and as such, in England and Wales, you have to commence a claim at court for personal injury within 3 years of the date of the accident. Please see the link below for the process of making a claim which will include contacting the driver at fault and the motor insurers. The standard wording in a personal auto policy offered in the US has no stated time period for the reporting of a claim. It will require that you are "reasonably prompt." What reasonably prompt means varies by jurisdiction and circumstance so reporting to your insurance company ASAP is the safest thing to do. Your policy will have a section that outlines your duties after an accident or loss. Failure to perform those duties can result in an automatic denial of your claim. So it is important to file promptly and to do the other things outlined in that section of your policy.
Yes, auto insurance policy states that you are required to report all accidents (losses) immediately. There are a few reasons for this. The carrier wants to quickly see yo…ur vehicle - take photos and write an estimate. If it was a single vehicle loss, and no monies are owed to any other party, they STILL want to do this because, essentially, they are not still insuring the 'same' vehicle. It is now damaged and likely has a different estimated value. Even though damage appraisers can distinguish old damage from new, your carrier has the right to know the condition of this insured vehicle. EVEN IF you don't carry first party collsion coverage on this vehicle, you could have another accident in the future and if we view this vehicle for THAT accident, we already know the damage incurred in the prior accident. If you were in a two car or multiple car collision, your carrier needs to speak with you as soon as possible after the accident - and you should WANT to also; you certainly want both your carrier AND the carriers of any other involved vehicles to hear your side of the story. If you don't, they have only the version given by the other parties and have to make their liability decisions based on what they've heard.
The only step you have left is to sue the driver of the other vehicle. Keep in mind, it is your responsibility to prove that the other driver was at fault.
Can you file an car accident claim if you don't have the other person's insurance information only the car's plate number?
Most States have Financial Responsibility Laws which require that certain levels of insurance be maintained on motor vehicles. In this case, you could determine the person to …whom the car is registered by having the Department of Motor Vehicles run a tag check. That process may also disclose insurance information. If it does not, at least you will have the information on the person who owned the tag and you could pursue it further that way. Also, if the other party did not comply with the Financial Responsibility Law with regard to insurance, and your damages exceed an amount set by statute, and he/she was at fault for the collision, you may be able to arrange for the suspension of the license and tags of the other party. Often, if successful, that induces the other party to make good on your damages.
The insurance company has a certain amount of time (30-60 days, depending on your state) to give you an "answer", which could be "Accepted, here's your check", "Declined…, deal with it or sue us", or "We need some more time to investigate." There is definitely not a concrete time that you will magically get a check in the mail. Some important factors: Are you filing this claim on your own insurance policy or on the person who you think is responsible for the accident? If you file it on your own insurance company it will be much quicker, in general. If you file it on another person's liability policy, the insurance company will need to complete a liability investigation. This will generally consist of interviewing all involved parties, witnesses and ordering the police report (if applicable). The quickest this could take is perhaps 3 days (if no police report is to be ordered). Are there injuries? If there are injuries, especially if there are multiple people with multiple (costly) injuries, there may be a limits issue and it will take much longer. Also, if this is the other insurance company, they will need to talk with their insured to verify the details of the accident. If he doesn't answer the phone, the burden of proof will be yours to prove the accident happened and he was at fault.
How long do you have after a car accident to report and file a claim with the at fault's persons insurance company with no police repo?
Don't understand the part of the question about the "police repo," however, contact the at-fault party's insurance company ASAP - and if you have insurance coverage, contact Y…OUR insurance company as well. Both companies will want to begin investigations, take pictures of the vehicles, get copies of police reports and medical reports (if any injury), etc, etc.
In most cases, either of you can make the claim. Liability is clear here, so most likely your carrier will take the information from the owner of the parked car and go from t…here. Your carrier would still expect you to cooperate with them as far as verifying the facts-of-loss, etc. There are a few carriers, however, who will only accept claims from the named insured. I'm not sure why, as this puts their insured at risk for being sued by the "injured" party, but most of them will take the information any way they can.
If an at fault accident claim has been filed but no police report was made is this recorded anywhere that can be accessed by other insurance companies?
Answer Yes, this is accessible to most Insurers thru your Auto Plus or MV Search records. Now keep in mind, dependant upon the CAUSE of the accident being consi…dered an AT FAULT, there usually MUST be a police report involved for the insurance company to determine fault against you. (unless you actually were telling the insurer the detais eg)you slid on ice and hit a car)
How long do you have after a car accident to report and file a claim with the at fault person's insurance company in Georgia?
One would think that they would get this done within a couple days at the most, if only to make certain that the claim would be processed. Call the insured's company and… ask them about this. Certainly, if one has waited past 30 days, the claim may not be honored.
In the event of an accident you would take the car to a repair shop approved by your insurance company and then they would determine whether or not your car is worth fixin…g or to payout the "Kelly blue book" value of your vehicle.
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You are not entitled to anything. If the other party who hit you was at fault, you are only going to collect your actual losses up to the limits of the other party's insur…ance coverage. This means your actual required medical expenses and loss of income and nothing more. You are to be made whole again with payment for your actual losses.
Each car insurance company has their own specific procedures as to how they want their customers to file a claim. The best way to find out is to call your insurance agent or c…ompany, or check out their website. However, one thing that cannot be understated, never admit fault and keep meticulous records of everything: photos, statements, police reports, when you talk to your insurance agent, repair costs, medical bills, etc. You are your own best advocate.