by Guest » Sat Nov 15, 2008 08:02 pm
In 07 I backed my truck into a car who was parked pretty much right on my bumper, lifted truck + parking in my blind zone = collision.
Anyways I only put 2 quarter size dents on his hood. I was at fault and agreed I was at fault, the thing is my insurance company never went through with the claim, the guy just forgot to go through with it, his car was never fixed and my insurance never payed them out.
My question is, is there a way I can get that accident removed from my record because nothing ever happened? It's an incomplete claim and I can barely pay my insurance as is and the difference between having one accident on my record and none is about $74 a frigging month!
Anyways I only put 2 quarter size dents on his hood. I was at fault and agreed I was at fault, the thing is my insurance company never went through with the claim, the guy just forgot to go through with it, his car was never fixed and my insurance never payed them out.
My question is, is there a way I can get that accident removed from my record because nothing ever happened? It's an incomplete claim and I can barely pay my insurance as is and the difference between having one accident on my record and none is about $74 a frigging month!
Posted: Wed Nov 19, 2008 02:48 am Post Subject:
So it is true...accidents stay on your record for three years. I remember my sister getting a speeding ticket and the judge dropping it down to something much less. He told her it would be on her record for a year, not three. He also said he would let her in on a litle secret that if she wasn't in any accidents in that next year her insurance company would never find out and raise her rates so she may not want to report the ticket. My jaw dropped that he would tell her that! I can't even remember now what he reduced the ticket to but he fine was only like $150 with court costs.
Posted: Thu Nov 20, 2008 12:14 pm Post Subject:
Well first off staying on your ''record'' is two different things fire...one with the DMV one with your ins. carrier...
Secondly the judge was wrong...if the carrier happened to run a CLUE which they do randomly she'd have been caught...however, I would NEVER call my agent and say, ''just got a speeding ticket'' no where does it require us to do so...why ask for an increase in premium...
I'm still on the side of no pay out of this OP's claim....wish he'd post the state so I could check that...i think there is much more to this HUGE increase than this CWP (closed without payment) claim.
Posted: Thu Nov 20, 2008 03:20 pm Post Subject:
I never even knew of a CLUE report til I came here. I guesss it would have been sad if her company would have ran one. I also am glad you don't have to report speeding tickets but you think they would come up at the time of renewal. Don't they check over you r driving record and such at that time?
I think the judge felt bad for my sister cause she didn't know the area and she got caught in a school zone (35 in a 15). Problem was it was 35 through there until the school started or let out BUT the sign was behind a tree with tons of branches and leaves and on a curve. You could not see the school sign flashing untilyou were around the sharp curve and then had to practically slam on the breaks by that time it was too late. We suggested to the judge that the sign should be moved or at least made so someone approaching from that direction could actually see it.
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