by Guest » Sat Oct 22, 2011 10:00 am
I have just had a minor car accident yesterday. There's no great damage caused to either party's car. We exchanged our contact numbers and departed.
Now I'm thinking that if I find out later that my car is troubling because of the accident, would I get covered for my claims, if any?
Should I inform my insurance company about this accident. And if I do and I don't claim anything later, would my ratings go up just for having this lil accident? Is it also necessary to inform the police?
I can really get my car repaired for its small damages myself and I don't want my rates to go up or get a bad driver's record. I am very confused as this is my first accident ever. What do I do? Please Help!
Now I'm thinking that if I find out later that my car is troubling because of the accident, would I get covered for my claims, if any?
Should I inform my insurance company about this accident. And if I do and I don't claim anything later, would my ratings go up just for having this lil accident? Is it also necessary to inform the police?
I can really get my car repaired for its small damages myself and I don't want my rates to go up or get a bad driver's record. I am very confused as this is my first accident ever. What do I do? Please Help!
Posted: Sat Oct 22, 2011 10:52 am Post Subject:
You should inform your insurer or else they might deny your claim. Your rates should not go up for this.
Posted: Sat Oct 22, 2011 01:59 pm Post Subject:
Your rates should not go up for this.
They could if the OP was at fault.Which is what I don't understand... if the other person was at fault then the OP could simply file a claim with the other parties carrier for the damage. As that is the case I don't see why the OP would be considering just paying for his/her own damage.
If the OP is at fault then the OP should report the claim to his/her own carrier as it appears that there is someone out there that has a loss the OP is responsible for.
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