Most insurance companies want a police crime report number before a settlement is reached.
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.
You should call and report this to the police. Also, you should contact your insurance company and advise them about this. If you carry uninsured motorist coverage on your policy, and can prove to your company that the other person is uninsured, your company will pay to have your car repaired and send the bill to the uninsured person.
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.
It depends on why they didn't pay the claim. If you have the coverage and followed the requirements, like making a police report, cooperating with the insurance company as well as the police then you should have no problem with a claim, if it was in fact a theft. Otherwise you can always sue the company or file a complaint with your state department of insurance if you feel you were denied coverage you paid for.
"No fault" in MN means that your own insurance company will pay for your medical expenses and/or wage loss if you are injured in a motor vehicle accident. Even without a police report you can contact the other driver's insurance company and make a claim for your property damage, if you have any. If the person is uninsured you then contact your insurance company to settle the property damage.
Most insurers are really going to want a police report before they pay. I suspect that the owner of the car is going to find some way of getting their car fixed. If they have the details about you, they are either going to approach your insurance company or you for compensation. They can file a police report, but usually the police want both parties to be present.
When you had the accident you and the other driver should have exchanged insurance company details and your names and addresses. If you didn't do it then, and there was a police report filed, you can probably get a copy of the police report. But you tell your insurance company you were hit,and give them the details of the other driver and their insurance company (I hope they had one!) and they negotiate liability with the other person's insurance company. Usually, like a rear-ending, fault is pretty obvious; sometimes not. But that's part of the reason you pay your insurance: so they can take care of stuff like this for you. Phil
The way car insurance works after an accident is that a report must be made to the insurance company. They will review it and then decide what you new insurance cost will be. Answer: Accidents need to be reported to your insurance company as soon as possible whether you or someone else caused the accident. If police were called to the scene then you must obtain a copy of the police report as well to be sent to your insurance company. All of this if you plan to file the insurance claim through your or the other drivers insurance. Some have accidents but the repairs are so minor that they pay out of pocket rather than getting the insurance companies involved.
If you have insurance call YOUR insurance and they will pay for your damages and then they will subrogate (meaning they will go after the other persons insurance for reimbursement) If the other person has been cited then they are clearly at fault. Nobody can deny that, make sure you contact the police department for a copy of the police report as well.
Report it to your insurance. They will contact the other driver's insurance company. Unless you live in a "No fault" state, in which case your insurance will pay for repairs, less deductable. you would call her insurance, if you do this your insurance will not go up. her insurance is liable for the damage to your vehicle and will pay to fix it. If you put the claim on your insurance then your insurance will go up and they will have to pay to fix your vehicle.
The auto insurance claim is when you make a request for an insurance company to pay for the damages to your car or another vehicle. The insurance company will then take your facts, compare them to a police report if available, look at the extent of damage on vehicles, among other things. Then they'll make determinations and issue checks from there.
As long as you got the persons Lic Plate # and gave it to your insurance company you should be O.k. This is if your insurance coverage is up to date, otherwise you should have filed a police report. You pay your Ins. Company so they have to and will do all the necessary paperwork and investigations. If this person does not have valid car insurance then hopefully you carry "Uninsured motorist" coverage unfortunately you still have to pay your deductible. http://www.sdphotoforum.com
Yes, if a police report was filed then it is probably on your motor vehicle report. The good news is that with most insurance companies, if the insurance company did not pay any loss or no more than $400 then the accident is not chargeable. If it was a one car accident, no problem, otherwise you may want to check to make sure nothing was paid to the other party or their company without your knowledge. As a matter of full disclosure, I own and operate a small Independent Insurance Agency and have for the part 22 years. Before that I worked as an agent for a direct writer insurance company.
When people have accidents in their automobile and someone is injured it is required to report it to the police and to their insurance company. This is because the injured person may need a doctors care and the person responsible for the accident is the one that will be required to pay through their insurance company.
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