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Answered 2008-01-07 08:14:15

It depends. In MOST cases, the insurance company will have someone (called an adjuster) assess the damage on your car and write an estimate. After that, your insurance company will contact you on which bodyshop you want the work done at OR sometimes they will pick one for you. The company will then contact the shop who will in turn contact you giving you the ok to bring the car in once they have the approval from the insurance company to begin body work.

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When this happens, your Insurance company pays for damages. If the accident is your fault, your insurance rates can go up.



If you have collision coverage on your vehicle you can collect from your insurance company for the damages. You will not have to pay the deductible if you were determined by the insurance company to not be at fault for the accident. They then go after the other insurance company to get the money they paid you back. If you do not carry collision coverage then you need to file with other insurance company, they will then decide who was at fault for the accident if their party was at fault they then pay you for the damages to your vehicle.



Yes you can. You may still receive a citation for not having insurance, however, the legal liability for the accident does not rest with you so the adverse party's insurance carrier will owe for your damages and/or injuries.


The driver at fault is always responsible for damages incurred during an accident. The at fault insurance company is responsible for damages to your car.


As long as the policy was in effect at the time the accident occurred then coverage will be afforded and damages will be paid.


The insurance company is not going to force anyone to pay for damages to a car. The person that was driving the car and or the owner of that car that caused the accident is liable for the damages to the other vehicles involved in the accident. If there is insurance coverage for that damage then the insurance company will pay. However if the driver of the at fault vehicle is excluded from the insurance policy then the insurance company may be relieved from it's responsibility to pay on behalf of the owner of the vehicle.


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.


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.


As long as the Adult:Has properly informed the insurance companyHas insuranceWas not drunk or otherwise negligent.


If someone is seeking damages from an injury as a result of an auto accident and they are not satisfied with the offer from the insurance company I would suggest that a lawyer be consulted.


Auto insurance: An accident that damages your vehicleDisability insurance: An injury that causes you to lose wagesHomeowners insurance: A fire in your house that damages your personal possessionsHealth insurance: An illness that involves a trip to the doctor.


yes if you are in an accident and especially if you are at fault of an accident, you must file with your insurance company, so your insurance company can cover your damages and or other vehicle involved or pay subrogation demand once received from other vehicles ins company, if the other vehicle chose to use their coverage.


when you get the insurance you can register your daughter as an autorized driver and the insurance will cover for the damages.



Subrogation occurs when an insurance company goes after the party responsible for an accident or damages. You would use your insurance company for subrogation. This is something that the company will handle on their own. In most cases you do not have to do anything.


Your insurance will care of the damages. If you don't have insurance, the other parties insurance will take care of the damages and then go after you.


The insurance company is not liable to pay out any damages that were caused in the accident and they cancel your policy. This means that the driver bears the full financial burden for the costs of the accident.



The owner of the car and their insurance company are responsible for paying for the damages as a result of the accident. To avoid this problem, you can start hiding your keys.


If you report the incident to your insurance company, and want them to cover the damages, it's more than likely they will consider it an 'at fault' accident, and it's possible your rates will increase, especially if it's not your first accident. The best way to avoid insurance rate increase in this situation is to pay for the damages yourself out of pocket, and not report it to your insurance company.


Vehicle liability insurance is insurance that only covers the other car. That means that if you get in a wreck, you are liable for what happens to your car. It also means that that your insurance company will pay for the damages to the other person's car if the accident is found to be your fault, but if it is the other person's fault, then their insurance will pay for the damages to your car.


Having insurance in general is important; auto insurance especially. Not only is it illegal to drive without auto insurance, but if a person were to get into a car accident, he/she would have to exchange insurance information with the other person involved in the accident. A hefty fine can follow if he/she does not have insurance. The insurance will pay for the damages done so that he/she does not have to pay out of pocket. The same goes for homeowners' insurance. If damages are done to a person's house, then the insurance will pay for the damages. Overall, it doesn't matter if it is 21st Century Insurance or another insurance company. Insurance is very important to have.


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.