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 Posted: Tue Jun 09, 2009 8:28 pm Post subject: Which insurance company handles the claim? |
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| I had an accident with an insurance company that I no longer am with, nothing happed at that time but recently the other parties insurance company asked for my insurance company name,,,but now I am with a new insurance company so which one do I tell them to contact? |
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PaulDelray
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| Posted: Tue Jun 09, 2009 10:27 pm Post subject: |
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Personal lines auto policies are almost always an occurrence basis. As such, you'd report it to the carrier you had when the accident happen.
Some larger commercial polices are claims made basis. |
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tcope
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| Posted: Wed Jun 10, 2009 6:00 am Post subject: |
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Hi Paul,
Did they ask for it in writing? Did they explain anything regarding the possibilities of a claim being filed?
Steven |
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steven
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| Posted: Wed Jun 10, 2009 6:17 am Post subject: |
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| Quote: | | nothing happed at that time but recently the other parties insurance company asked for my insurance company name,,, |
Is this a case of subrogation??
Paul, what exactly the other guy's insurance company is telling you?
~Jeremy |
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JeremyHolter
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| Posted: Wed Jun 10, 2009 1:00 pm Post subject: |
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The other party wanted the name of my insurance company not sure why but assume it is not good. I have not talked to their insurance company. I was not sure which insurance company to give them, old or new so posted here. I am in the dark as to their reasons.
The accident was minor and I have a reliable witness that will say it is not my fault. There was no damage to my car so I did not file a claim with my previous insurance. |
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PaulDelray
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| Posted: Wed Jun 10, 2009 2:04 pm Post subject: |
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They probably have a difference of opinion as to who was at fault or don't think it's 0%/100%. If they thought their insured was 100% at fault they probably would have just spoken to you about any possible damage to your vehicle.
You were in an accident and did not report it to your carrier? Not the best thing to do. Your carrier needs to provide you a defense in _all_ accidents. They do this by investigating the accident. By not reporting the accident they have not been able to perform a proper investigation. Now they have to play catch up and hope that all of the information is still available.... like that independent witness. |
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tcope
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| Posted: Wed Jun 10, 2009 2:26 pm Post subject: |
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| Of course I did not report it, I had no claim, no damage and no need to give them an excuse to raise my rates. I dropped them soon after anyway in favor of a local agent. |
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PaulDelray
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| Posted: Wed Jun 10, 2009 2:48 pm Post subject: |
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| Quote: | | Of course I did not report it, I had no claim |
What if the other party thought you were at fault and was going to go after you for their damages... would you want your carrier to address this or were you planning on settling the matter? There are two portions of the auto policy, 1st party coverage to address damage you suffer and 3rd party coverage that protects you when you are in an accident. Your carrier needs to know about accidents when the occur in order to protect you. Also... it's written into the policy that you are required to report all accidents. Just recently a person posted that they never reported an accident and now his/her carrier was denying coverage for this reason (I learned that in a few states a carrier _can_ deny coverage for late reporting even if they don't suffer harm from this late report).
I can't tell you the number of times I speak to people who don't think they were at fault but then it turns out, legally, they were or were to a certain degree. Unless you know your state liability and negligent laws very well and also plan on paying out of your pocket to defend yourself, you need to report all accidents.
Carriers seldom increase rates for accident's when their driver is not at fault. |
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tcope
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| Posted: Wed Jun 10, 2009 5:36 pm Post subject: |
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| I did fill out a state accident report and it stated it would notify my insurance company. |
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PaulDelray
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| Posted: Wed Jun 10, 2009 5:41 pm Post subject: |
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| Quote: | | I did fill out a state accident report and it stated it would notify my insurance company |
1) I've never heard of any state that does this nor any "state accident report" that states this.
2) It still would not remove your obligation to report the accident.
3) It should have been obvious to you that this was not done as no one from your insurance company called you.
4) Come on....  |
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tcope
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| Posted: Thu Jun 11, 2009 3:41 am Post subject: |
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Paul, I never heard of any state that would take the responsibility to report a claim to the carrier on behalf of the driver. It's always been the responsibility of the insured to inform his carrier about possible claims.
Which state are you from, Paul?
When did the accident happen? |
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jeorge
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| Posted: Thu Jun 11, 2009 5:37 am Post subject: |
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Hi Paul..
I haven't heard of such an instance ever before..
| Quote: | | I did fill out a state accident report and it stated it would notify my insurance company. |
I guess policies are designed keeping the state laws in mind.
Did your policy papers share anything regarding the role of your state while you're in an accident?
Please go through your policy papers and get back soon.
Steven |
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steven
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syahbiz
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danawheels
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