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If there is some damage to either vehicle. It's always wise to report it then because the other person you may have hit could come back on you and make things much more complicated than they were. If there was no damage done to either vehicle and the person wasn't that concerned, then I wouldn't bother. If it was a big enough bump to jar one or both of you report it even if the vehicles involved had only minor scratches or a slight dent. Marcy

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โˆ™ 2006-03-10 18:59:56
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Q: How do you decide whether to report an accident and make an insurance claim?
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Related questions

How can I find out if soomeone has auto insurance?

If you have had an accident with this person then his insurance information should be present on the accident report. If you have no claim on this person's auto insurance then it is not your business whether or not he has insurance.

How does car insurance work after an accident?

The way car insurance works after an accident is that a report must be made to the insurance company. They will review it and then decide what you new insurance cost will be. Answer: Accidents need to be reported to your insurance company as soon as possible whether you or someone else caused the accident. If police were called to the scene then you must obtain a copy of the police report as well to be sent to your insurance company. All of this if you plan to file the insurance claim through your or the other drivers insurance. Some have accidents but the repairs are so minor that they pay out of pocket rather than getting the insurance companies involved.

What do you do if your car gets totaled in a car accident?

The very first thing you do is report it to the police. Whether the car is "totaled" or not (a decision typically made by insurance adjusters), a police report is required for any automobile accident.

Do you have to report your insurance company if you had accident and you are not at fault?


If you have an accident other party admits fault no police report your insurance was lapsed will the other insurance cover your loss?

As long as the other carrier has accepted liability, they will owe for your damages whether you have insurance or not.

Can an insurance company decide who is at fault when a police report has been filed?

An insurance company can assign fault regardless if a police report is filed or not. A police report is simply a report made by a neutral party at an accident scene. I believe there have been cases where insurance companies have assigned fault to one party when the opposing party was initially named at fault in a report.

Do I need to report an accident to my insurance if I had the accident in my husbands car and his policy covered it?


When is it wise not to report to insurance company?

never, even in the case the accident falls under a certain limit you should report the accident to allow your insurance company to protect you and itself.

What do you say to the insurance company when no one was cited in an automobile accident?

Report the claim anyways. Tell the truth and let the insurance company decide how to proceed. Remember, if you are paying for the insurance, you should expect claims to be paid if you have the coverage.

Does an accident report reflect on your record?

YES and your insurance premium $$$$$$$$$$

How do you appeal a police accident report that said you were at fault even though you were DEFINITELY not?

Your insurance company is going to review the police report, your statements, and the statements of witnesses and the other party. After they review that they will make a determination of fault and decide to accept liability or not on your behalf. If you think that you were not at fault in the accident make sure that you file a claim against the other persons insurance.

If there is an accident and neither party gets a ticket who is responsible for what?

It depends on a few factors, like what state you live in and whether the police were called to do a report. If there is a report, the officer will have found someone at fault, regardless of whether someone was ticketed. Your insurance company can also determine fault based on your state's laws and they way in which the accident occurred.

How do you write an accident report statement to an insurance company?

The Accident report should provide vivid description of the incident with timing, location along with a handwritten sketch,corroborating with the Police Report and Surveyor's Report.

How do i find a person's insurance company?

If you were involved in an accident with this person then their insurance information will be listed on the accident report. If you were not involved in an accident then it is not your business who they have insurance with. Much of this is covered by the privacy laws so if you really have to know ask the person.

How long after you've had a car accident can you report to the insurance?

as soon as you are home.

Do you need to report an accident to the police if you have hit a telegraph pole?

Yes, you will need to report your accident to the police. You should report all accidents to the police, so that you can file a claim with your insurance.

What to do when you got car accident?

Call the police and get a police report. Call your insurance company and report it to them asap.

How are accident reports usually filed?

Accident reports are usually filed with the police. They will interview the person and fill in the accident report using those details. A separate report is filed with the insurance company.

How does filing an accident report affect your driving record and insurance if you are not filing an insurance claim?

It goes on your record and your insurance rates get adjusted.

Can an insurance agency find out about an accident if no claim was reported and the accident happen during a time when the person didnt have car insurance a police report was made?

Yes. If a police report was filed or not more than likely the other parties insurance carrier notified the DMV and the accident was put on your record and the amount still owed to the insurance carrier is also listed there. If it was a one car accident and you were the only one that lost out it may or may not be on your record but since a report was filed it may still be listed. Be honest with the agency that you are talking with about a quote and they probably will know more about whether or not it will show up. If you lie on the application and it comes out later the company could consider this material misrepresentation and deny a future claim. It's not worth the chance of wondering whether or not you have coverage if a major accident happens.

Can you still make a report one month after the accident even if insurance company and police were never notified in riverside county ca?

You can still report the accident to the insurance company and collect for damages. The Police will most likely not take a report. You would have to call them to verify that though.

What auto insurance has code 989 in CT?

If an insurance code of 989 is shown on a police report car accident who does that person have car insurance with?

What if you have a fender bender accident and no police report. can the person you hit still file a claim on your insurance?

Absolutely. You have an obligation to report it to your insurance company and to cooperate with the settlement of the claim. If it was very small you can try to deal with the person directly to keep it from going on your insurance. Be carefull with this because you can't try to settle it your self then turn it over to your insurance company. You can contact them and ask them to get an estimate before you decide.

Can an insurance agency find out about a claim or accident even if there was no police involved or report on it when asked about your past accident history?

Yes, CLUE reports monitor anything paid by any insurance company regardless of a police report. Therefore, only if you reported the accident to the insurance company or they reported it. If you did not, and they did not, and there was no police report(for example you did some kind of direct negotiation or something) only then is there no way they are going to find out.

If you meet with with an accident on the last day of your insurance coverage will insurance company pay for it and Can you report accident after the last day?

Generally, your coverage expires at midnight on the last day of your policy. Until then, you are covered. There may be some time limit during which you must report an accident, but if it happened while you were covered, the insurance company should take care if it.