Rear ended another car. No damage to other car who inspected and drove away. Can i file claim on my car?
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UPDATED: Oct 18, 2016
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Insurance Question from Cordova, TN
Asked on 10/18/2016
Rear ended another car. No damage to other car who inspected and drove away. Can i file claim on my car? I rear ended at low speed another car. The driver and I got out and we saw that there wasn't any damage and he drove away saying there was no need to call a cop. I was at fault in the incident and noticed after a few minutes that my light had been smashed and needed repairs. Can I file a claim with my insurance company and get it repaired after paying my deductible? Or will they refuse because i didnt exchange insurance info with other motorist? Thanks
Answer given on October 20, 2016
If you had an auto accident and the only damage was to your car, you can file a claim under your auto insurance policy. It is not necessary to get information on the other driver or to call the police to file a police report. Since the other driver left without exchanging information it is unlikely he will come back to try to claim damage or injuries.As you mentioned, the deductible will apply before your company will pay anything. However, if the damage is over a certain amount, usually around $750, your insurance rates can increase for the accident.You may be better off to get an estimate for the damages to your car and see if you want to file the claim. If you are not going to receive a majority of the cost of the damage, it will be in your best interests to pay for the damages yourself and not file the claim.
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