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Why does a car insurance company want a drawing of car accident?
Wiki User
∙ 12y ago
If what you are speaking of is a diagram by its own insured of how the collision occurred, it may be for the purpose of evaluating liability. That is, depending upon the direction and speed of the vehicles involved, together weith the point of impact on the car, the insurance adjuster can get an idea of fault, or the degrees of respective fault, of the drivers.
A related reason is that the insurer may wish the other driver (not the insured) to make a drawing. It would seek one in preparation for a potential claim by that person. It would be used to counter a claim that the insured caused the collision, in whole or in part. If the matter went to court, the drawing made by the adverse party could possibly be used as evidence against him/her, especially if the verbal testimony as to how the collision occured differed from the drawing.
Wiki User
∙ 12y ago
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If you want to change my insurance and you already toll your insurance company about an accident that is not your foult ca you do it with out afecting you?
I don't want to chance your insurance company but if you do, the accident was not your fault so it does not matter. Just ask your agent this question. He is here to help you.
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Yes, your insurance company will pay for your accident if you caused it, but your insurance will increase. You may want to weigh the cost of covering it yourself and filing it on your insurance.
What are the requirements on reporting an accident to insurance company if it is not your fault?
Most companies do not require you to report the accident to your own insurance company, but if you later find out the person did not have valid insurance or the other insurance company refuses to pay and then you later have to file a claim on your policy, it will slow down the claim process. Plus, each state has a statute on the time limit you have to file a claim and want it to be covered.
If no police report was filed can you contact the insurance company of the driver at fault?
Yes you can. that is why you have to trade insurance information when an accident occurs. They will handle it from there and will most likely want to do an investigation.
What can you do if you had an accident and a ticket was given but later cancelled and there is no violation on record but the insurance company is still surcharging for the accident?
If the insurance company had to pay anything for damamges, then they will raise your rates for it. An accident will be on your record whether at fault or not and whether or not you got a ticket. Changing insurance companies may not save you much money. If you can get documentation proving the ticket was voided and your driving record is clear, forward it to your insurance company. If they refude to take it into consideration, file a compaint with a supervisor or a general director of the company. If that fails, you might want to think about shopping around.
Can an car insurance company sue a minor in a auto accident?
Yes, they will threaten to sue, if you don't pay, or get your insurance company to pay. It's better to just pay, or notify your insurance company so you don't have to pay the lawyer fees. You don't want the hassle of going to court and you will lose.
What can you do if you were at fault in an accident and your insurance company paid for it but three months later they ask for proof of address and you do not have any?
Do you mean the address of the other person in the accident? Was there a police report made? Did you exchange identification documents? that you did not live at the address you gave the insurance company when you got the policy and now they want proof? If so, I believe you have committed insurance fraud and will probably be asked to reimburse the company for any claims they have paid and will not be able to get insurance again.
Is insurance a waste of money?
this depends. if you say have an accident with your car and it is your fault you will have to repair your car and repair another car that you may of hit. however it you buy insurance from an insurance company then the company pays for it.but there are many different types of insurance so i would recommend a company like ISelect which asks you a phew question about the insurance you want and they choose the best insurance deal for you.
If you have basic insurance someone is faulted by hitting your car what should be done?
You will need to make a report to both insurance companies. Even though you are not at fault your insurance company will still want to know. Unless the other party takes the blame right away and tells there insurance company that it was there fault then you do not need to tell your insurance. But I always recommend that you always talk to your insurance company about the accident.
