Always cooperate with an investigation by the police. Your question points out another reason to call the police when you are in an accident. Let the officer assign responsibility. Show the officer your license, registration and insurance card. After he is through with the investigation it will be obvious who is responsible and whose insurance gets to pay for the damage. Taken from www.progressive.com and the back of my insurance card. You must give all of your information to the other person and they have to give all of their information to you and it -must- be correct. Its the law. If the other party is at fault, even though they have your insurance info, they can't call your insurance and try to lay a claim. That would be insurance fraud and it is illegal. Note that only an official police report can lay fault at the accident. When there is no police involved, as would be the case in a parking lot accident, it is up to the insurance companies. Regardless, information must be exchanged and if it is determined that the other party is at fault by a police report, they cannot lay a claim against your insurance company, even if they have your info. If you are worried about identity theft. There is not much you can do. As I said above. You have to give the proper insurance information to the other person and they have to give it to you. There is no way around this.
The decision of who is at fault in an accident is generally decided by the police officer who is investigating the scene. If you don't agree with his/her decision you can always speak with their supervisor at the police department and give our side but it is very rare that these decisions are overturned. You only other point of appeal would be to your insurance company. The insurance companies take the police report as well as statements from both parties and make their decision as to who is at fault.
I believe if, before the accident, you are listed as a driver on the insurance policy, then you are allowed to drive the vehicle too. If so, then the car at fault is at fault. If you are not listed as a driver, then your friend could be at fault if he gave you permission to drive the car. If he did not give you permission to drive the car, then you could be held liable. Liability covers only the other car, unless you have uninsured motorist insurance included, then your car is also covered if the at fault driver has no insurance, if you are listed as a driver. If the car at fault has no insurance what-so-ever, then they could be at fault because they should not even be on the road if your state requires minimal liability insurance. You can call any insurance company to find out, and remain anonymous if you would like, and if they will tell you. Or you can call a lawyer who gives free consults to find out. I would suggest that you first look up your state laws (regarding automotive insurance requirements for your state, if it has any). Then go from there. State laws may vary!
AnswerNo brainer. The person who hit you is at fault. Doesn't matter if you have a license or not. Not having a license doesn't give the other driver a free shot at rear ending you.AnswerIn most states, insurance companies require a police report of an accident. To have a police report, the police have to go to the accident scene in order to write one. Most rear end accidents are the fault of the person who hit the rear of a car. However, if you did not report the accident to the police because you have no license, you may be out of luck with the insurance company.
Hopefully, both you and your friend have insurance. If you do, you call the insurance companies. If the other guy caused the accident, you let the insurance companies fight it out. Likewise, if just one has insurance, you call that company. On the other hand, if you caused the accident and both you and your friend have insurance, you call the insurance companies. If just one has insurance, you call that company. If neither you nor your friend have insurance and you caused the accident, you are in deep trouble. You could be out a lot of money. In either case, you only talk to the cops. You do not assume any blame even if you are at fault. You just give the facts. You can say the light was red when I entered the intersection. You have to tell the cop the facts or you can go to prison. Still, you do not say, "It was my fault." You do not assume blame. You do not make value judgements.
Yes, It's part of your insurance contract that you signed when you applied for coverage. All insurance contract terms require that a statement be given by any and all parties regardless of age so that the Insurance Company can determine who is at fault. Refusal of a statement can cause you to be found liable by default of your insurance contract. It makes you sound guilty as you seem to have something to hide. It's usually the at fault party who is is afraid or refuses to give a statement. In these circumstances you will generally be determined at fault and will be entered in your insurance record and you insurer will have to pay the other party for all damages up to your policy limit. Refusal to honor the terms of your contract by not giving an accident statement can also cause your insurer to cancel your policy and you may have difficulty finding another insurance company in the future as your driving record will indicate that you are uncooperative and you have violated the terms your previous insurance contract.
yes, assuming the are all accident related and she is 100% negligent, and therfore liable/responsible for your damages.......if a specific problem with some of this give more details and i can be of more assistance.....It also depends on whether your state is a "no fault" state or not. In a "no fault" state, the parties involved in an auto accident are automatically reimbursed by their own insurance company. However, it is still possible for the victim of an auto accident to receive additional compensation for certain damages (i.e. medical expenses, pain and suffering, economic losses, etc.). If the accident victim's auto insurance policy does not cover the amount of damages they've sustained, they may want to consider legal action against the at fault driver. However, this all depends on the state the accident victim lives in and the amount/type of damages sustained.
You have to contact your car insurance provider (normally by phone) to notify them that you have been in an accident. You give the company all of the information pertaining to the accident ie. if anyone was hurt, what the extent of car or property damage is. An insurance adjuster will then come to the scene to validate the information.
How much will it COST? If you have a good record of several years without claims, your premiums may not increase, but if you are a new driver or have had prior claims the increase will be determined by your insurer and no one else can give you a definite answer. Or how much will it PAY? If it was your fault, your liability coverage will pay for the damage to the other driver's car and if you do not have collision coverage, you get to pay for your own repairs.
Fliling a ClaimThis is generally done by telephone. Just call up the insurance company and give them notice and a description of the accident. They will assign a claims adjuster who will will follow up with you and their insured. It's really very simple. Answerwell, do you mean others like the other party that was involved with the accident? or other drivers insurance like you were driving ur buddies car and got into an accident? Well if it was the first one then you just call your insurance company, make a claim, they will proceed to ask you for the Third parties information, then the insurance company does all the work for you.. i would always call as if the third party calls and lies and tell his insurance company you were at fault, it can affect you later in life.If its ur buddies insurance you want to make a claim under, call his insurance company and make a claim. Simple
The other car will have to pay for the damages using their own savings to take you in a hospital and for the repairs on your car since you don't have a car insurance yet.Added: If you live in a state that requires you to have insurance, and you don't, you will undoubtedly be give a ticket for being an un-insured motorist.
The police usually give a ticket to the person who got rear-ended. If they have insurance, the insurance company sometimes do an investigation to determine who was at fault for insurance purposes. Also, personally I would obtain an attorney who specializes in traffic law and ask their professional advice.