Question

Can I file a car insurance claim on someone else's policy?

Had Accident 07-26-18. I have accident payouts on 10-28-14, 08-31-17 and 08-12-13 . My concern is insurance rate going up if I file a claim. I believe this accident was not my fault, as I was backed into while driving in a parking lot ("T-Boned"). I am 78, Excellent credit history. No injuries. No damage to his car but $1500 damage to mine. I have $500 deductible. Due to my accidents above I am worried my auto insurance rates will skyrocket if I file a claim. Is it possible to file against HIS insurance co. and not advise my ins. co. of the accident.

Aug 1, 2018 Saracosta, FL

Answer
Ava Lynch

Aug 1, 2018

Although you might not have to file a claim with your insurance company, you will probably have to report the accident to your insurance company. Most insurance companies outlined in their policies that all accidents need to be reported - regardless if a claim isn't filed. I would contact your insurance company and speak to claim's representative and let them know you believe you were the not-at-fault driver. If you are found not at fault, your rates will not be impacted by much but will still show up on your driving history for up to three years. If you are found at fault, your rates will be impacted for up to five years. Here is more information on what to expect when filing a claim. Good luck and if you have any other questions, don't hesitate to ask.

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