Do I have to disclose a claim on quotes that was handled under another party's insurance?
If the other party handled this claim on their insurance because you were not at fault, the claim should not affect your insurance rates or quotes going forward. If you decide to proceed with an application and do not disclose this claim, the insurance company’s underwriting department may find this regardless of whether you told them or not.
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Can an excluded driver claim bodily injury if they're at fault?
I would file a claim on their insurance. Excluded drivers are exempt from coverage.
Am I able to buy insurance now and use it to file a claim for a not-at-fault rental car accident?
Insurance never works retroactively; it goes by the effective date stated on the policy. Any incidents that happened prior to the date of binding will not be covered.
If the at-fault driver hasn't added a new car to their policy, will their insurance still pay for my damages?
Sorry to hear about the accident. Regardless of whether their insurance pays, the at-fault party is responsible for any damages caused.
What do I do if the party at-fault claims insurance first?
I'm sorry to hear about your accident, but I'm glad that you took pictures. It is hard to say if the police will show in some areas for a minor accident.
How will my rate be impacted by opening a comprehensive claim? How is fault decided?
If it is considered comprehensive, there would be no fault on the claim so you can take that out of the equation. Comp claims are best summed up as your responsibility but not your fault.
Are excluded drivers covered if they're not at fault for the accident?
If the excluded driver was driving but another party hits them, the at-fault party is still responsible for paying for the damages. Had the accident been caused by an excluded driver, the insurance company is under no obligation to honor that claim.
Was I right to file a claim with my insurance when I was not at fault? Will my premiums go up?
Sorry to hear about the accident. I do think you made the right decision in filing a claim for your damages.
What can I do if I was in a not-at-fault car accident without insurance?
Sorry to hear about your accident. Regardless of whether you had insurance or not at the time of the accident, the at-fault party must pay for the damages.
My car knocked me down and I broke my hip. Do I need to file a claim?
I'm sorry to hear about your accident. North Carolina is not a no-fault state so you don't need to file a claim, and you can use your health insurance instead for your hip.
Should I take cash for a not-at-fault accident?
If you choose not to go through the insurance company, then it is between you and the other party to work out the details. It is your choice as to how the claim is handled.