Coverage & Claims

Are car diagnostics covered by the at-fault party?

If the diagnostics are part of your car's repair and the other party is at fault, this expense should be covered by the insurance company. However, this is specific to your claim and you will need to contact the company that's paying for the claim to find out the specifics of what they will cover.

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Coverage & Claims

Police report was taken after auto accident. Will it show who was cited?

The police cannot determine fault — only insurance adjustors can determine who was at fault, which can be based on a police report. When you file a claim, you should request the police report by contacting the police department.

Coverage & Claims

Is a police report required when a parked car is hit?

Texas law states you must file a police report if the accident resulted in physical injury (or death) or property damage exceeding least $1,000. If your daughter is filing an uninsured motorist claim (i.e., a hit and run), I recommend filing a police report.

Coverage & Claims

Does an accident appear on an MVR without a police report?

Typically, if the police are not involved, the accident will not show up on your motor vehicle report (MVR). However, the accident may show up as an at-fault accident on the CLUE report which is the report that pulls and verifies prior insurance claims.

General Insurance

Can someone just file a claim against me without my side?

If you were in an accident, you need to report the incident to your insurance company as soon as possible. Most companies require you to notify them of any incident regardless if a claim is filed or not.

Coverage & Claims

Does state farm require you have a police report to file a claim?

Most companies do not require you to have a police report to file a claim. Double check with State Farm to make sure but you shouldn't have any problems.

General Insurance

Do I have to repair damage less than $1000

First and foremost, the advice I give is 100% free. Next, you did not have to report the accident to the police but it is always a good idea.

Coverage & Claims

At-fault driver lied about having insurance

I would contact the police and let them know the insurance information provided is invalid. Give them all the information you have available to you; the other driver's license plate, police report, all photos of the incident, etc.

Coverage & Claims

At-fault driver gave me the wrong information

I would contact the police with what info you have. If you have the plate they should be able to locate the owner and either pull his insurance info or track them down to get it again.
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