Should we claim the accidient?

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Oct 7, 2013

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

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.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption