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If your trying to get insurance for the first time and you were involved in an accident with a company car under there insurance and it was not your fault do you still have to tell the insurance polic?


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2008-10-15 18:50:19
2008-10-15 18:50:19

I had a minor At Fault accident with a company vehicle. I provided my current car ins co with a letter from my old car ins co stating that they did not pay a claim on this accident. My new ins company accepted it and ignored the accident. You can do as above although it is best to tell insurance about all incidnets just in case other wise any undisclosed information could invalidate claims


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It really depends on how reasonable they are. If you are in an accident and the other party or parties refuse to give information regardless of who is at fault, then CALL THE POLICE because a police report is the best weapon against anyone involved in the crash trying to change their story later. If you're not at fault for an accident and you have no other information on anyone else, your insurance company may be suspicious about that and could quite possibly reject your claim or pay it but make it a chargeable account to YOUR POLICY.

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An Insurance company cant commit suicide. So, I am not sure what you are trying to ask here. If you are asking about, what would happen if the insurance policy holder commits suicide? In that case too, nothing will happen. The insurance company will not pay any money to the deceased persons family. Insurance claims can be made only if death occurs by accident or natural causes. Not suicide.

First always get a police report, this is reporting. You should always tell your insurance company, in case the other party is trying to commit fraud. (Fraud makes everyones rates higher.) If you have reported the accident to your insurance company you have made already made a claim, if you decide not to have insurance company repair your vehicle, most of the time your rates should not change, this all depends on the insurance companies underwriting guidelines.

Yes, that is normal and you should comply. Insurance fraud is a huge problem in the industry and the other insurance company is only trying to confirm the nature of the accident. You never know when the other person may be trying to claim something for their benefit that didn't happen in the accident. Say for example the other person was really alone in the car but later told their insurance company that they had a passenger in the car with them that was injured in the accident. This invented passenger then makes a claim against the liability coverage of the driver and if and when it is settled the driver and their accomplace share in the bogus claim's settlement. Meanwhile your damage is taken careof as it should be but your statements could expose the attempted fraud trying to be committed by the other party. Believe me, all of us need to do our part in limiting fruad because the cost of fraud is included in our ever increasing insurance premiums.

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