If you choose not to have the car examined by police at the TIME of incident, it makes it VERY difficult to determine who is at fault, and you may risk paying deductibles. It is VERY important to ALWAYS call police after an accident - no matter how small the damage seems. This way ALL facts relating to the incident are reported, third party is interviewed (possibly charged) and any witnesses can give statement. Did you have any eye-witnesses? Surveillance?
The driver at fault is liable for the collision, regardless of the other driver's actions post-collision. The fleeing driver may later be brought up on Hit and Run or Leaving the Scene of an Accident charges, but that will not change the at fault liability.
So they don't get sued later.
Only if you received a citation and was later found guilty. Generally if you get cited it is you who was at fault in the accident, you can avoid the points by successfully fighting it in court or pleading guilty and doing traffick school.
Most companies do not require you to report the accident to your own insurance company, but if you later find out the person did not have valid insurance or the other insurance company refuses to pay and then you later have to file a claim on your policy, it will slow down the claim process. Plus, each state has a statute on the time limit you have to file a claim and want it to be covered.
Yes, 30 days is a good rule of thumb.
Without a police report, there is little recourse in assigning damage responsibility to one party or the other, unless one has admitted fault, and hopefully that is properly notarized and in a written and signed statement. Word of mouth has no legal binding. Whenever there is a car accident, no matter how minor one thinks or doesn't think the damage is, always ... ALWAYS ... call the police and have a report filed. In today's cars, a little "bump" can turn into major frame structural damage later on ... get that police report ... it may be an inconvenience at the time, but you will thank yourself for doing that later on if problems develop.
they sure can, and will !!
the accident was all spencer's fault and that she is scared of spencer
Report to your lead hand, supervisor, or manager on shift. Answer #2 Make sure there is a detailed written report filled out by the person you report the accident to. If the accident is bad enough, you will need it to have any hope of receiving Workman's Comp insurance payments. Even a seemingly minor injury can come back to haunt you later if you have no record of when it happened.
The person who is responsible for the accident should accept that responsibility and place a claim with their insurer or make a written agreement with the damaged party to reimburse them for their loss. The problem is in this case the "at fault" driver has no way to determine if the amount requested is valid. The "at fault" driver should under no circumstances render any monies until valid proof of damages and agreement on the amount that is to be paid has been submitted in writing and signed by all involved parties (driver of vehicle during accident, owner of vehicle, etc.).
This may result in a situation where each driver will need to file a claim with their own insurance company for the damage to there vehicle and then the two insurance companies may make a decision as to who was at fault at a later date. Sometimes fault is never determined.
No universally applicable answer. All states and municipalities are different. Best advice: Whenever there is a car accident, no matter how minor one thinks or doesn't think the damage is, always ... ALWAYS ... call the police and have a report filed. In today's cars, a little "bump" can turn into major damage later on ... get that police report ... it may be an inconvenience at the time, but you will thank yourself for doing that later on if problems develop.