You do not have to pay the deductible if the other person's insurance is paying the claim. If you put the claim through your insurance, and do not have uninsured, underinsured motorist protection then you will have to pay the deductible regardless of who's at fault.
That's not very likely. The insurance company does not file your claim, they accept your claim notice from you. You have to file your claim with the company, not the other way around.
yes. you can sue an at fault driver if his insurance company refuses to pay your claim. it would not be proper to sue the insurance company.
yes of course.
The problem with no fault insurance is that fault is usually assigned thus making no fault insurance an incorrect statement. Your collision coverage is where you would make the claim in this situation.
Whomever filed the false claim is at fault.
Yes, anytime you make a claim to YOUR insurance, it will go up. That's how they get their money back. If you don't submit a claim to them, then no. I do not necessarily agree with the answer above. What you did not indicate in your question was did the person at fault have insurance. If they did then even though you filed a claim and your carrier paid you, they would likely recover from the at fault person's insurance. In this circumstance you insurance should not go up.
In fact, term insurance policies can be called no risk no fault insurance, as no claim is payable during the tenure of the policy and only in the event of death of the policy holder, claim is payable to the nominated person of the policy.
This is a tough one. Most likely the claim will be paid under the "property damage" portion of your policy and then that claim will look like it's an at fault accident. If possible, try to get a statement from your insurance company that you were not at fault in the incident. Also, it might be possible, and better, if the passenger has auto insurance that they make a claim under their own policy.
You Can Claim For Money Depending on whether or not you HAVE insurance. If you dont have insurance. your screwed.
Yes, you can. However, ultimately it is the at fault party's insurance company that will pay for the claim. In such a case, you will file a claim under your collision coverage and be subjected to the deductible. Once the claim is settled, your company will subrogate the loss with the other company(i.e. get reimbursed). Once that happens, you will be provided your deductible back. If you go through the at fault party's policy, you would file the claim under the property damage of the policy.
It is always the at-fault party's responsiblity to pay for damages they cause in an accident. If you know who hit your car then contact their insurance company and file the claim. If you do not know who did it and you have collision coverage on your car, you can file the claim through your own insurer.
Let your insurance company/agent handle the claim--they will collect from the other insurance if there is a valid claim. You'll need a police report.
You can file a claim with the at fault drivers Insurance Company yourself. You don't have to wait for the insured to do it. Just call them up report the accident and request a claim number. They are required by law to assign an adjuster whether or not their insured has reported it to them.
Of course you can. You will want a lawyer, however.
If the other party has insurance then their "property damage" coverage should cover damage to your vehicle. If you happen to be at fault or there is some question as to who is at fault then it might be hard to collect from their insurance company. Only if the other party is at fault. If you have collision insurance, you can file the claim with your own agent. Then you will be paid for your damages, less your deductible, and when your company collects from the other company you will also get your deductible. If you do not have collision, you will have to file your claim directly with the at-fault driver's insurance. If the company denies your claim (and unless there is very compelling evidence that their client was at fault, they will), you will have to sue the driver. Then, IF YOU WIN the lawsuit, their insurance will pay.
If a person has been in a motorcycle accident and he or she needs to file a claim, the first thing he or she needs to do is contact the insurance company. If an individual is not insured, then that person needs to contact an attorney to properly file the claim. Generally, the claim is filed through the insurance company. Claim filing procedures depend on the motorist at fault.
Most no fault insurance laws protect the not-at-fault party. Your insurance will indemnify your loss and penalize the un-insured motorist. DO NOT make outside deals with an uninsured person after an accident as this limits your ability to make claim.
Yes, you would be covered by YOUR insurance company, given you have "Full-Coverage" coverage on your policy. Keep in mind, when filing a claim with your own insurance company, that this claim will follow you on a permanent insurance record for 5 years, possibly more in depending on your state. So be very wary of claiming an accident that was someone else's fault on your insurance. This may raise your premiums, or make you ineligible for insurance through A rated companies. If you have any more questions, direct them to my email. Sean
You do not have to reimburse your insurance company if the accident is the fault of the other driver and the claim is made on their insurance. If the accident is the fault of the other driver and their insurance does not cover everything and you make a claim on your insurance for reimbursement, your insurance will subrogate (collect back) from the other company.
Your fault, your problem! Any amount of damage above the limits of your insurance policy is your responsibility. Pay attention when you drive!
No, if it is your fault you are not eligible to received diminished value from your insurance company. It has to be a third party claim, ie the party at fault's insurance company pays the damages if you can recover them.
Their insurance would be primary and your insurance would be considered secondary when filing a claim.
if u both left and someone is filing insurance claim, BOTH parties will get charged with Leaving the scene of an accident and may not be able to file insurance claim
If the accident was not your fault (someone rear-ended you, for example), then you would claim on their insurance, and they would pay out.