by Guest » Tue Dec 16, 2008 01:03 am
Hello everyone,
I was parked along side a street and someone was trying to parallel park and he hit the front of my car and caused about 2500 dollars in damages. Since I am not at fault, will my insurance rates increase? I am a 17 year old driver with no tickets or accidents on my record. My car was in park so it definitely wasn't my fault at all. The party at fault will be going to their insurance company to file a claim and they require me to give them my insurance information. Do you think anything will be reported to my insurance company? I have 21st Century and he has State Farm.
Thank you very much for your time and input.
I was parked along side a street and someone was trying to parallel park and he hit the front of my car and caused about 2500 dollars in damages. Since I am not at fault, will my insurance rates increase? I am a 17 year old driver with no tickets or accidents on my record. My car was in park so it definitely wasn't my fault at all. The party at fault will be going to their insurance company to file a claim and they require me to give them my insurance information. Do you think anything will be reported to my insurance company? I have 21st Century and he has State Farm.
Thank you very much for your time and input.
Posted: Tue Dec 16, 2008 06:22 am Post Subject:
Well.I don't know how you were a 'risk' driver
Even I'm lost here, probably he meant that since he is a young driver the insurer might charge him very high.
The teen and young drivers are charged high premium because they fall into the high risk bracket for causing most number of road wrecks. May be he is referring to that. However, I doubt if you are not at-fault in an accident your rates will go up, though at may strictly depend upon the carrier in question.
Posted: Tue Dec 16, 2008 06:26 am Post Subject: insurance
True..I get what you're saying, SIMON. Also...I think it's an 'advantage' to him because he doesn't have any tickets, etc.
Posted: Tue Dec 16, 2008 06:42 am Post Subject:
It surely will benefit him if he can maintain that clear record for longer period of time. He may then check if the insurer offers him some good driving discount. If he can continue performing the role of a responsible driver, he will get the rewards for that.
Posted: Tue Dec 16, 2008 09:26 am Post Subject:
Dear Lori, please help me understand the scenario in a better way!
No, no they don't nor would i give them that information, unless they can prove to me it's a law (it's not)...
Does it mean that some states have laws that mandate you to produce your insurance information to the party at-fault under such circumstances?
It 'shouldn't' but again I would in no way risk it...
What could happen at the most if I risk informing my carrier about it (..especially when it is so convincing that I'm not at fault!)??
Also, please tell me whether a carrier would ever tag a 17 years old (with a clean record) as a 'risky driver' simply because he is so young?
ArindamSenIndies
Posted: Tue Dec 16, 2008 01:21 pm Post Subject:
So as far as giving him my insurance information, if you go on the state farm website and try to report a claim it says that it they need the victims insurance information
Don't worry about that, just put something like, 'n/a' or 'will discuss with adjuster' just leave it blank it's not a necessity at this point..I do have all his information and yes the witness is a third party.
That is awesome and great job, protecting yourself...wish everyone would!
Also, do you think that I should file a police report if he is cooperating with me like this? I think that if I do file the report, the accident will show up on my driving record and I'd rather that not happen...
Was this on a public road, or parking lot, private property? where? That makes a difference about reports, and no I don't think it's necessary right now to file one..I disagree with SD especially since you have a third party witness, you'll be fine. you aren't claiming any injury are you?Does it mean that some states have laws that mandate you to produce your insurance information to the party at-fault under such circumstances?
Not that I know of, but you do have to produce it for a cop...and not for anyone else...there are 'ways of making you produce' but in this situation it should'nt even come close to that...What could happen at the most if I risk informing my carrier about it (..especially when it is so convincing that I'm not at fault!)??
He won't have a claim free policy even if it's not at fault, some carriers offer discounts for zero claims status, if his does then he would lose that.
Also, please tell me whether a carrier would ever tag a 17 years old (with a clean record) as a 'risky driver' simply because he is so young?
They ALL do the highest rates in all companys are 16-24 yr old single males...even with perfectly clean driving records...you can call it 'risky' if you want...i wouldn't it's just them demographicPosted: Tue Dec 16, 2008 09:29 pm Post Subject: insurance
How DARE you disagree with me, LORI??!!LOL :roll: I'm just trying to be funny. :P yes...there was a witness. However...untless I 'missed' it, did you get the information(name, address, phne,etc.) from the witness?
Posted: Tue Dec 16, 2008 11:05 pm Post Subject:
:wink: it is always good to get the cops there and a report made, but in this instance since the horse already got out, i don't see any reason to close this particular barn door... :wink:
Posted: Tue Dec 16, 2008 11:39 pm Post Subject:
Well this occurred on a the side of a neighborhood road. It was public property. I went to the police department and they told me to file an SR1 report detailing the accident. Do you all recommend me to do that? It says that I would have to if the damages are over 500 so i assume yes?
Posted: Wed Dec 17, 2008 12:24 am Post Subject:
If that is the law/requirement in your city/county then yes, you should go ahead and comply...any word from the ins. company or the other driver?
Posted: Wed Dec 17, 2008 01:51 am Post Subject:
Yes, I have heard back from state farm and the other driver. They are cooperating and State farm is trying to set up an appointment with me to appraise the damage to my car. I am having them meet me at the auto body shop that I got the quote at.
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