Coverage & Claims

Who is at fault if I opened my car door and it was hit by another driver?

In situations where a car door is opened and subsequently hit, fault is generally with the person who opened the door. There are scenarios where both drivers may share liability and each situation is different, so it's difficult to say with any certainty where fault lies.

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Coverage & Claims

What can I do if I was hit by another driver and their insurance company cannot reach them for a statement?

Getting a statement from both parties involved in an accident is pretty normal when filing a claim with the at-fault driver's insurance company. Unfortunately this doesn't always happen quickly.

Coverage & Claims
General Insurance

If I hit my own car with a vehicle I was borrowing, should I pay for the damage out of pocket?

Normally when you borrow a car and have an accident, the insurance on the car you were driving is what pays for damage that you cause. What makes the situation more complicated is that you own the vehicle that was hit.

Coverage & Claims
General Insurance

What do I do if I am hit by another driver and they refuse to provide me their insurance information?

Regardless of the amount of damage caused in an accident, drivers should still exchange insurance information. Normally in the event that the police are called and a report is written the information of both drivers is documented, including insurance information.

Coverage & Claims

How should I handle a situation where I hit another car but the owner doesn't want to file a claim until next week?

While it is normally up to the party who was hit to initiate the claims process with your insurance company, you can always be proactive and contact your insurance provider to let them know what happened. You can provide pictures and the details of the incident to the claims department, but no repairs can begin until the other party decides to start the process.

Car Insurance Costs
Coverage & Claims

What should my mother-in-law do if her car was hit in a parking lot

She really has the option to go either direction and her rate probably wouldn't be impacted since the other driver was at fault. If the other driver wants to pay for the repairs out of their own pocket then should wouldn't need to file a claim.

Car Insurance Costs
Coverage & Claims

If I hit two vehicles during the same accident, will I be charged with two at-fault accidents?

Since both of the damaged vehicles were a result of the same incident then it's likely that your insurance company will only consider the entire claim one accident. Our State of Insurance report shows that at-fault accidents have an average impact of $899 per year in additional premium in California.

Coverage & Claims
General Insurance

What happens if you hit a rental car?

The claims process after hitting a rental vehicle would be the same as hitting a vehicle owned by another person. You should contact your insurance provider and notify them of the incident.

General Insurance

What should I do after a minor accident?

It really depends on what the repair cost will be. If the other driver gets a few repair estimates, you should have a better understanding of whether it's worth paying for the damage yourself or filing a claim.

Coverage & Claims
General Insurance

If I backed into a car in the parking lot and didn't leave my information, am I able to provide my information at a later date?

in the state of Arizona, you technically have up to 2 years from the date of the incident to file a claim. While I would not recommend waiting that long, the point is that you are still well within the window to have your insurance cover the other vehicle's damage.

Car Insurance Costs
Coverage & Claims

If I file a claim for denting my car door on a beam, will my insurance rate increase?

Filing a claim where you were the cause of damage will most likely result in an increase in your rate. In Texas, the average increase in premium for an at-fault accident is $817 per year, based on our State of Insurance report.
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