Coverage & Claims

Do I have to pay a deductible if I caused an accident?

If you do not file a claim to have your car repaired you do not have to pay your deductible. Your liability insurance will pay for the damages to the other vehicle. Liability coverage does not have a deductible, meaning you will only pay a deductible to have your car repaired if your comprehensive or collision coverage pays for the damages.

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Coverage & Claims

Should I contact my insurance company about this fender bender?

Most insurance companies require you to report any incident involving damage to a car or property. Even if you decide to not file a claim, you still want to let your insurance company know, that way you are protected if the other party decides to file a claim.

Coverage & Claims

Got into an accident and didn't get their insurance info

I recommend your father contacting his insurance company and informing them on the situation. Providing them with all available information including the other driver's state registration information.

Coverage & Claims
General Insurance

What should I do if I hit another driver and can longer reach them?

If you can't come to an agreement, or if the other driver won't return your calls, the only other alternative would be to report the incident to your insurance company and let them deal with the other party. Sometimes filing a claim is unavoidable due to the other party not being cooperative in your attempt to pay for the damage out of pocket.

Car Insurance Costs
Coverage & Claims

Will my rate go up if a police officer writes an accident report but I never file a claim?

Any time a police report is written after an accident, it gets listed on your motor vehicle report (MVR); impacting your rates with other insurance companies for at least 3 years from the date of the accident. Your current insurance company is unlikely to re-run your driving record since you're already a customer, but if you ever decide to leave for a new provider then the accident is likely to negatively impact your rate.

General Insurance

If I was in a 3 car fender bender, whose insurance do I contact for repairs?

With a multiple car accident it's usually best to contact your insurance company to start the claims process and they should work out the details with the insurers of the other drivers. These types of accidents can be a bit complicated when determining fault, but insurance companies do a pretty good job sorting through the details.
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