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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.


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

No.


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

No.


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.


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.


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.


Does an accident report reflect on your record?

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


How long do you have to report an accident to your insurance in Ontario?

When you are involved in an accident involving injury or property damage, you need to report it to your agent, broker, or insurance company within seven days, regardless of who is at fault. If you are unable to report it within seven days, report it as soon as possible after that. If you don't report your accident within a reasonable amount of time, your insurance company may not have to honour your claim. http://www.fsco.gov.on.ca/english/insurance/auto/after_auto_accident_ENG.pdf


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

as soon as you are home.

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