Should we claim the accidient?
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UPDATED: Oct 7, 2013
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Insurance Question from Boyds, MD
Asked on 10/07/2013
Should we claim the accidient? I was rear ended by a teen girl on freeway. I called the police right after the accidient. But I was hesitate to make the claim even this is not my fault. I have made two at fault claims and got one speeding ticket during the past three years. My rate already went up a lot. I'm afraid if I made this claim, even the driver is my husband,and not at our fault, our rate will dramaticly goes up and we may can not renew the policy any more. We are at Liberty Mutral Insurance company.Any suggestions are great appreciated.
Answer given on October 26, 2013
If you were in an accident that was not your fault, you can file a claim with the other driver’s insurance for the damages to your car. They should be able to arrange an estimate for your repairs and handle the claim without involving your insurance company. Also, by doing this no deductible will apply to your damages. If you don’t know the insurance company, contact the other driver for the information.Since the accident is not your fault, your rates should not be affected in any way by this accident. If you have to report to your insurance company, you still should not be affected since it was not at fault. Your insurance company will pay for the repairs, less your deductible and then go to the other insurance company to reimburse them. However, it is best if you go directly to the other insurance company so you don’t have to wait for the deductible to be reimbursed.
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