It is always the at-fault party’s responsiblity to pay for damages they cause in an accident. If you know who hit your car then contact their insurance company and file the claim. If you do not know who did it and you have collision coverage on your car, you can file the claim through your own insurer.
Will the insurance premium increase when you file a claim for collision in hit and run case and do not know who hit the car?
It should not affect your rates. However, if you have several hit-and run claims, they’re going to embark investigating. ResponseActually, I was in a hit and run and my insurance company used my collision insurance to cover the total loss of my car. SO… now when I go to “shop around”, my underwriters report shows only this: Collision Reimbursement: $Five,919. As a result my insurance rates are very high. There are no surcharges because I was not “at fault” but the rates themselves are higher than normal. I’m attempting to figure out how to “re-categorized” the claim under the “uninsured motorist” claim so that my rates will be normal. It’s a nightmare. beware! My spouse was the pedestrian in a hit and run and required $25000 in medical damages. Health Insurance wouldn’t pay so we used no fault. No other moving violations or claims were on our insurance. After the pay out (1yr later) the rates quadrupled. It was ridiculous. We had a fresh car payment at the time and had to have total coverage. Everywhere we went that $25000 claim erased the good quotes we originally received with all insurance carriers. Even when we explained there was no moving disturbance on our part the spouse was a pedestrian crossing the street at the corner in the middle of the day. It took Five years after the payout for the rates to go down. Terrible practice and that was just part of the financial end. Lost wages, permanent harm…
If a person is driving an unregistered car and gets hit by another can he still file a claim against the others insurance?
In Victoria Australia, a person can file a claim against another person while driving an unregistered permit, but only if they have obtained and displayed a permit to drive the vehicle
If you hit a parked car do you file a claim or does the possessor file the claim on your insurance?
In most cases, either of you can make the claim. Liability is clear here, so most likely your carrier will take the information from the possessor of the parked car and go from there. Your carrier would still expect you to cooperate with them as far as verifying the facts-of-loss, etc. There are a few carriers, however, who will only accept claims from the named insured. I’m not sure why, as this puts their insured at risk for being sued by the “injured” party, but most of them will take the information any way they can.
If a car was stolen and insurance denies the claim can the leinholder file against the insurance and collect?
Generally yes, it is called subrogation. Depending upon the circumstances as to WHY to coverage did not apply.
If your parked car was hit by an at fault driver and filed a claim with your total coverage insurance will it go up?
Yes, anytime you make a claim to YOUR insurance, it will go up. That’s how they get their money back. If you don’t submit a claim to them, then no. I do not necessarily agree with the response above. What you did not indicate in your question was did the person at fault have insurance. If they did then even tho’ you filed a claim and your carrier paid you, they would likely recover from the at fault person’s insurance. In this circumstance you insurance should not go up.
If a passenger in your parked car opened the door and hit another stationary car and dinged it can his auto insurance cover the harm if he is willing to make the claim with his insurance?
It depends what kind of coverage the possessor has. I believe the type he would need is liability coverage (some companies may call it property harm liability), which would cover the harm to the other person’s car. You may want to check how much the harm will cost. If its less than your deductable then its not worth making a claim. Even if it is a bit higher than your deductable you may want to look into how much your insurance costs will rise by making a claim. Hope this helps.
Can your insurance deny claim for damages resulting from you hitting the parked car of your coworker in the parking lot of a federal agency where you work?
I am going to make some assumptions here..
I will assume you are talking about privately wielded vehicles, both yours and the co-workers.I will also assume that the parking lot is provided for employees by this agency, and is considered the ’employee parking lot’.I will further assume that, since you indicated ‘parked car’, this vehicle was not moving at all at the time that you struck it..
If these assumptions are true, I cannot think of any reason your company should deny payment of damages to your coworker’s vehicle..
As my questions hint, there could be problems if the vehicle you are driving is a federal/employer vehicle and you were in the course of employment, thereby ‘benefiting’ your employer..
Do you want to share any extra information?
If a inebriated driver with no license or insurance rear ended a parked SUV that hit your car that hit the next car is the SUV driver liable for your claim and are you liable for the front car?
Each person’s insurance should cover their own vehicle. It’s part of un and under insured driver coverage. It protects you against a case just like this. Now if the person doesn’t have it then that is their own fault and they will have to pay for the damages out of their own pocket. The individual insurance companys should repair the vehicles and then they will turn around and draw a lawsuit against the drunk-driver for the cost of all the damages..
Most states will put all blame on the tipsy driver, but it is possible that your state might be different. The police report will be your best sourc of that information.
If your car was parked next to a construction site during a wind storm and material from the site hit and bruised your car should your rates go up if you file a claim with your own insurance?
WEll to me i live in ga it should be the constructin site dfault because the material they use that is left unattend should be secure email me back at firstname.lastname@example.org.
Personally I would seek restitution directly from the property proprietor of the site or the construction company..
If you choose to file a claim with your insurer, you will have to pay the comprehensive deductible as well, your rates may increase at the end of you term.
If you were in an accident with an insured driver but it was not their car who do you file the claim against?
i believe you can actually file suit against the driver and the possessor of the vehichle so my lawyer told me
If you are backing out of a parking stall and hit a car that was speeding down the parking lane can the other party file an insurance claim or make you pay if no police report was filed?
If the insurance is not involved, nor the courts involved, no one can force you to do anything..
You need to be shown in fault to have to pay. The other driver cannot make the decision that he was not at fault, because you can determine the same and who is to determine who is right?.
A police report is not necessary for an insurance claim or a lawsuit for recovery of damages to be implemented..
Since the questioner admits they were backing out of the parking spot and exchanged insurance information, it would be fairly effortless for the injured party to prove negligence by the person who was leaving the parking spot..
Regardless of where the incident occurred or if the other car was “speeding” any person coming in into in traffic flow bears the responsibility of assuring that they have a clear right of way.
If someone hit your car while it was parked and left their insurance information will your insurance be affected if you go ahead and claim for the damages?
I don’t know! Im looking for the response.
I don’t know! Im looking for the reaction.
I don’t know! Im looking for the reaction
If your car got hit when parked and at the time of the accident you did not have insurance but did get some soon after can you make a claim?
No. Auto insurance takes effect on the day you begin the policy, and like any other insurance, it is too late after an accident has already occurred..
Many companies will require that you bring the car for inspection for the very reason of preventing people from making claims for existing harm. Even if this was not required when you commenced a policy, it would be considered insurance fraud to file a claim for existing harm.
Will you get compensated if your uninsured car was parked on the street and got hit by someone with insurance and was totaled?
if “your” vehicle has NO insurence, you are not entitled to compensation…meaning…you get nothing..and the fact that it was parked in a “public place” makes for an even stronger agument against any suit seeking damages.
If I hit a car parked in my driveway while backing out would the possessor of the car submit a claim to my car insurance or my homeowners insurance since it took place on my property?
HI, Working in a car insurance company, you would claim off your car insurance as the vehicle was involved in the accident, however because it was on your own individual property you may be able to claim off your house insurance depending on the terms of your policy, you will find most homeowners insurance only covers the house itself and not the surrounding gardens
If someone hit your car in a parking lot and filed a police report does their insurance pay?
if they are the ones that hit your car then yes, they or their insurance are the ones who have to pay.
How do I report a car insurance claim?
call your company and go after prompts. it helps to have all details written down to keep focused. they will get details, then take a recorded statement. have your insurance ard and registration handy, as well as drivers licenseif you are going through their company, it will be pretty similar, but they will have to talk to their customer or have an accident report before accepting liability.
If you hit a parked unregistered car can you sue their insurance?
Sure you can sue anyone for anything. The question is will you win. Let’s get this straight. You hit a parked car, and you want to sue the holder of that car’s insurance company. And your reason is that the car was not registered. Well if the car was not registered then how did they have insurance? What does the fact as to weather the car was registered or not have to do with the accident? You hit a parked car and that means you were at fault. But you go right ahead and sue. See where that gets you.
If you hit a curb and your car is bruised can you claim insurance?
Yes you can as long as you have collision coverage and this will be considered an “at fault” accident.
Where do you file a claim to sue for deductible from a car accident involving a car with no insurance with no insurance?
If I understand your question you are attempting to recover a deductible you incurred due to the fault of the other driver who was uninsured? If this is the case it may depend on the state in which you live and what coverage you may or may not carry. If you are from CA, we have what is called UMCDW or uninsured motorist collision deductible waiver, which if you were carrying this type coverage as part of your auto policy, it would pay your deductible if your vehicle were hit by an at fault, identifiable uninsured driver. If you do not have similar coverage on your policy or in your state, you may simply have to file a claim in puny claims court to recover your deductible and good luck. In many cases if you are dealing with an uninsured driver, even if you win judgement you still have to be able to collect it…sometimes the hardest part! In the future you may want to consider a product called CDRP which is a Collision Deductible Reserve Plan to insure your deductible is always available for you when you need to use it. It is a very wise financial stir that can not only save you hundreds if not thousands on your car insurance premiums but would give you peace of mind knowing your deductible is always there when you need it! You can learn more about this incredible product at TheFiveMinuteMove.com .
Are you insured in a car park if someone hits you but does not admits it?
As long as you have insurance you are covered under your insurance. Your insurance will pay the cost to get the car repaired. Now from here it is up to you to seek a lawsuit against the person who hit you if you have there information.
If my car get hit by an insured driver can i claim a hire car of his insurance?
UK? Yes you can. If the third party admits liability or is found to be liable they are responsible for your costs. This can include the cost of you hiring a car whilst yours is off the road. You can claim against them for any cost you would not have incurred had the accident not happened, so this could include say contents of your vehicle, time off work due to your injuries, substituting clothing etc. Back to answering your question specifically, they are only liable for the hire car costs to the point where they lodge your claim in utter. So if your Â£1000 car is a ‘total loss’ they are liable for your hire car costs whilst making their mind up whether to repair it or not. Once they have determined and paid your Â£1000 it is up to you to buy a fresh car. Thus they do not have to hire you a replacement indefinately.
If you hit a parked car does your insurance go up?
Whether or not your insurance goes up if you cause an accident depends on your company Ask your agent.
What is the law for a person who hit a parked car and then hits other cars with no insurance?
Very first of all, in many states it is illegal to drive without insurance, so that would be a fine right there. 2nd of all, whether or not they had insurance, they are still liable for the harm they caused. If they can be found, they can be sued for it. Third, if they hit an ran, that is also a crime. It would be pretty fair to expect that if someone got caught for doing what you just described, their license would be suspended or revoked.
What do you ask the insurance company for if your car was hit while parked?
If your car was hit while parked and the other driver drove off, then you ask for payment under your collision coverage.
Who is liable if an insured car is hit into a parked car and the car that hit the insured car into the parked car gets away?
If a car is parked (so it wasnt moving, standing still), the other car is in fault.
If Someone hit your car do you claim it on your insurance or theirs?
If they admit fault and their insurance company says they will pay for everything then it’s been my practice that you get a choice. If you work through your own insurance company they may withhold your deductible amount until the other insurance company pays up. I believe that it makes sense to just work with the other stud’s insurance company. They’ll make an suggest (if it was totaled) or ask you if you have a figure shop preference and to take it there and they pay the bill. The deductible amount is not a factor since the other party is at fault. In fact, I’m not sure why this isn’t just standardized and made the common way to treat it, with the exception of if you believe that you’re not being treated fairly.
If someone hit a car in a parking lot and a police report was not filed can the insurance company deny the claim?
If you have Comprehensive coverage on your Auto Insurance Policy then you will be covered. A police report can be made at any time after the accident. Nude in mind that the most frequent fraudulent auto property claims are usually reported as having taken place in a parking lot with no witnesses while a household driver check exposes unlisted drivers. Insurance companies have learned that an insured is less likely to file a fraudulent insurance claim if they know that in doing so they will also have to file a fraudulent accident report with the police. If your insurer denied the claim it may be because they didn’t believe you or it may be that your Insurance Policy contract requires the report be made. Many Insurers are now requesting police reports in a loss situation.
What happens if someone hit your parked car and they have no insurance but you do?
ill let you know just had this happen to me last night….and they ran. cops got them tho’.
What insurance info do you provide to the possessor if you hit a parked car?
does a no-fault insuranced car hits a insuranced packed car in a privet parking lot, does the no-fault car have to pay for dangs to the insurance car if it under 1,000.00 dollars?
What can you do if a car hits your car and you have no insurance but he does?
If the other party was at fault for the collision (negligent), you should assert a claim against the other driver/holder. Contact him/her in writing, assert the nature of your claim, and ask that they contact you to pay for repairs. Copy the insurance company with the letter, and make reference to the policy number in the letter so that the insurer can identify it and assign an adjuster. Ideally, you should get a repair estimate before or while you are doing this. Take pictures of the harm, too. If no one responds within a reasonable time (10-14 days or so), you are free to file suit. The court in which you file will depend upon the court rules of your state, as different courts have different monetary jurisdictions, so you should contact the Clerk of Court for guidance. The lawsuit needs to be filed with the Clerk (for which there will be a fee), and a copy of the suit papers served (delivered) to the person(s) being sued by the Sheriff or a private process server (who will also charge a fee). The matter will thereafter proceed through the court system, and it will be your cargo to prove at trial that the other party was at fault for the collision. If the other party was not at fault and you have no physical harm insurance on your car, you will have to pay for repairs yourself.
What are my rights if I hit a parked car and I don’t have insurance?
If it was leagally parked, you should be asking what are your obligations if you hit a parked car. Your responsibilities are to pay the cost of fixing the Property of the person who’s car you hit. Man up and do the right thing.
Can you file a claim with your insurance company if your car is stolen and there is a lien on it?
If you maintained “comprehensive coverage” on the car, absolutely. This differs from collision coverage in that collision coverage is triggered by a physical influence to the vehicle and resulting harm. Comprehensive covers a broader range of occurrences. The lien holder is likely to have required you to maintain comprehensive and collision coverage in order to protect its security interest in the vehicle. That is, the insurance provides some assurance that the lien will be pleased from the insurance proceeds. In that respect, the lien holder likely required that it be named as a “loss payee” on the policy, so any settlement will be paid jointly to you and to it.
How long do you have to file an insurance claim on your car?
If you are making a claim against another driver’s liability policy, then it will depend on the statute of limitations in your state. The SOL varies from state to state. Some have a long time, like as much as six years. Some are very brief, like only one year. But if you are filing a claim on your own car, you’ll need to look in your policy to see how long you have. It could be as brief as six months.
Does a passenger in a car accident have to file a claim with their own insurance?
Not usually, unless it is for the treatment of some serious and lengthy medical injury for which the auto insurance is insufficient.
Can I file a claim with my auto insurance if my car has mold growth?
If the mold growth is not a result of a covered cause of loss (such as collision or an occurrence provided for by the comprehensive coverage), no. Further, mold ordinarily grows over a long period of time. Since car insurance does not cover your failure to maintain the car and to prevent the mold, the insurer will not cover it.
Do insurance have devices to determine if a car was moving when hit or parked?
Yes, they have very effective and established investigative methods that can help them determine if a vehicle was in movability at the time of a collision.
What if your parked car is hit by an insured driver on purpose?
His insurance is not validBUTWhere I live is insurance company is required by law to pay for the harm he caused and then they may sue him for the money.
How do you file a claim with Esure Car Insurance?
The very first thing I would do is call your insurance agent. Then I would email them pictures of the harm done to your car. You will be assigned a claim number and a person will call you in a few days to get your side of the story. Then they will contact the other person involved.
Do you have to tell your insurance co if your car is hit when parked?
I wouldn’t think so, unless your insurance contract has a provision requiring such notification. You would have to read the fine print.
How long do you have to file a car insurance claim with Geico?
You should file your car insurance claim with Geico within 24hours. You should always call your insurance company as soon as youpossibly can.
What happens if you file two car insurance claims?
If you’ve had two separate accidents then your rates will go up again. If It’s for the same accident as in attempting to “get paid twice”, it could be automatically declined because that would be Felony Insurance Fraud.
How do you file a claim against someones car insurance when they hit a house?
you get the insurance info. and have them look at the damange. make shoure you have a police report.
How does no fault auto insurance work if you hit a parked car?
No Fault insurance ONLY deals with medical injuries to you if you are driving. No Fault has nothing to do with property harm liability. If you hit a parked car, then your Property Harm Liability coverage would pay to repair the parked car and your own Collision coverage (if you have it…it’s optional) would pay to repair your car.
What are the processes of a car insurance claim?
At the scene of the accident, you should exchange contact information with all the parties involved, and it might also be helpful to write down their license plate numbers as well. Contact your insurance company as soon as possible. Most companies havea 24 hour claim service. The number can be found on your insurance card. Whoever is helping file the claim on the other end of the phone will walk you through this process. Be ready for a phone call from the insurance companies of the other parties. They will call to hear your side of the story. An adjuster will give you an estimate of what the harm is worth. If you think it is not enough you may be able to appeal with your insurance provider.
Where can one file car claims with Nationwide insurance?
You can file car claims with Nationwide by either reporting the claim online at the Nationwide website, calling their claims service at 1-800-421-3535, or by contacting your Nationwide insurance agent.
How do you file car accident insurance claims?
If one is involved in an auto accident it is significant to file a claim instantaneously. The process for insurance claims can vary but the general procedures after filing the claim are to schedule an inspection and speak with your adjuster. The adjuster will review the harm, the reports and any witness statements to assist in providing a cost estimate. Once the coverage has been determined the repairs can be done.
Is there a deadline for a car insurance claim?
Regulations differ in different states and sometimes with different policies. You need to report claims as soon as they happen so that a company may assign you an adjuster to embark working on the claim in order to finish as quickly as possible to get you paid and back to where you were before the accident. All state regulations have a time limit for making a claim so be sure it is reported in a timely manner.
If someone hits your parked car does your insurance go up?
In most cases it would not go up. However, some insurance companies give a discount for having no claims and in that case any claim at all would make you liberate the discount.
Should you file a claim with your car insurance?
That’s always a balance inbetween what happened and how much it willcost you versus how much your rates will increase. If it will be alarge claim, then almost always you should file a claim. If it wassmall, then maybe not… but be sure to consider that even withsmall car accidents, there could be hidden harm, like thealignment being thrown off, etc. You might want to get your carchecked out to be sure.