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I would keep quiet about it. Depending upon your state or local laws, the insurance company may be required by law to report mold problems to the proper authorities for professional remediation. Assuming the mold is severe, rip everything out right down to the studs. Replace the really bad studs. Replace the floor and sub-floor if you must. Good luck. If you have homeowners insurance, I would call your insurance company and ask if it's covered under your policy. If not, then you will have to DIY.
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Will it go on your insurance as a claim if a police report is filed but you pay for the repairs to the other person's car yourself?
It will not go against your insurance because a claim has not been filed only a police report.
Will your insurance policy go up if you are involved in a collision with a pole?
If you report it to your insurance agency it will. If you decide to take care of the damages yourself, and not contact them, it will not.
If you pay for accident damages yourself will insurance rates go up?
Depends, if a tree falls on your car and you pay for damages yourself then no. If another party is involved in the accident then yes. The reason being is even if you don't report your damages on your insurance the other party may report to theirs. The data from the accident is then reported into the CLUE insurance database and will cause your rates to raise since the database 'sees' that you were involved in an accident. Bottom line, it's best to report to your insurance yourself and let them pay out since you're going to feel the pinch anyway.
Can you file an insurance claim if you did not get a police report?
Yes, you do not need a police report to file a insurance claim.
What insurance issues do you have when you back out of a driveway and hit a car parked directly behind the driveway there were no tickets?
Just like any other accident,, You are responsible for the damage you caused. Either file a report with your insurer so they can cover the damage you caused, or pay them yourself for the Damage. It's your choice. The law requires you be Financially Responsible.
Do you have to call your insurance company if your car was not at fault?
The terms of your Insurance Contract always require that you report an accident regardless of fault. This is because even though you do not consider yourself to be at fault, the other driver may report the accident to them anyway. Better to be safe than sorry.
If you had an accident with no other cars involved and there was no police report just exchanging of words and insurance what could happen with the insurance if the other party decides to call them?
Meaning you didn't report the accident to your carrier? Minimally you have put yourself in a bad light with your carrier. Worse case scenrio? Your insurance contract says you must promptly report all accidents, there is the option/possibility that they could deny the entire claim for your failure to promptly report it. Call it in right now.
Is a police report required for an insurance claim?
It depends on how smoothly you want the insurance claim to go. Generally, insurance companies resist paying if there is no report to the police.
Canada car insurance DUI not reported what happened?
if you get stop in Canada for DUI and don't report to insurance, are you obligated to report to them.
What happens if you have car insurance and you have an accident?
You call your insurance company and report it. if the accident is your fault, with very minor damage, you would be better off paying for the damages yourself, rather than telling your insurance company and having your rates go up.
Someone hit my car we decide not to go through insurance He didn't pay So I went through insurance He now told his insurance company someone hit him And they will not pay out to fix my car?
Once you decided to not go through insurance and not file a police report, you left yourself open for paying for your own repairs. Sorry you learned such a hard lesson. Never have an accident and not get a police report. The insurance company is not going to pay out based on someone's word. A police report is needed to file a claim.
Can the insurance company make you pay for accident without police report?
Yes, of course. If you are liable for the damages you are required by law to cover the losses. Having a police report or not having a police report has no bearing on your liability and resulting financial responsibilities. Although most minor accidents do not merit a police report, the insurance companies recommend an accident report be filed whenever possible to document the occurrence and protect the drivers and the company from individuals who may later try to shirk their financial responsibilities. If you have insurance then your insurance company will cover the loss for you up to your policy limits. If you are uninsured then you are required to pay the damages yourself.
