Rear Ended Will I Have To Pay My Deductable And Will My Insurance Go Up
Posted in Headlight Bulbs | Asked on Oct 21, 2011
I was rear ended this morning in my 2006 dodge ram 1500 by a honda civic that slid into me at the stoplight because of the snowy conditions.
Only damage to my truck is a dent in the bumper and it is pushed in, the honda needs some cosmetic work, quater panel, hood and headlight.
Wondering what is the best way to handle this without claiming it on my insurance. Or it going on my driving record, I just had a accident about 4 months ago that I had to claim. If we are to make a police report and go through insurance will I have to pay my deductable? will my insurance rate go up? and I have only had insurance with this company for a few weeks, can they cancel my policy?
There are 9 Answers for "Rear Ended Will I Have To Pay My Deductable And Will My Insurance Go Up"
You need to report it to your insurance, but you are clearly not at fault and it won’t go against you or cause your rates to go up.
If you have collision coverage you can pay your deductible and get repairs started, and your insurance will go after the at fault party to get your deductible and what they paid out back from them.
Usually when you are rear-ended the other driver is considered at fault, unless you were driving recklessly. If what you state were the conditions the other driver was following too closely and is at fault. I would call the insurance people immediately, the other driver should have to pay for your repairs.
In most states the person who is at fault will have to pay. You will need to report it to your insurance company but you will not need to submit a claim to your insurance.
You must file a police report. Even for a minor traffic accident the police report will help determine who is at fault. It will not go against your driving record since you are the victim.
The claim will go against the person who is at fault. Their insurance company will handle your claim and it will not affect your insurance rates since it was not your fault, you didn’t file a claim and your insurance didn’t pay.
You need to contact your insurance company. The other vehicle is at fault — doesn’t matter if the conditions were snowy; the other driver is responsible for adjusting to the conditions and keeping the vehicle under control. Did you get the insurance information (or at least the license plate number) of the other vehicle? Your insurance company can file a claim against the other driver’s insurance company for the damage, and if your insurance company makes you pay the deductible then YOU can file a claim against the other driver’s insurance company for the deductible. P.S.: Your insurance should not go up for an accident that was not your fault — if it does, contact your insurance company and raise seven shades of Hell with them.
If the other party who ran into you has coverage and they are in the fault, their insurance company should pay for all damages to your automible, and it shouldn’t cost you any thing.
Well #1 the honda hit you.. the honda is at fault. the honda owners insurance should have to pay for your truck to get fixed… You did get her insurance information right???? file a police report>?>???right??? all standard for an accident… her insurance may not pay if you dont file a police reportto prove she/he was at fault (it should have been done at the site of the accident.) it might be on your driving record but it won’t count against you (assuming you have a police report to prove you were not at fault) because you were not at fault.
Was the other person insured? If so, their insurance will pay. The only time you pay your deductable is when you are at fault and your ins co has to pay out. In this case the other guy was at fault (going too fast for conditions, failure to yield to avoid an accident, etc) therefore his insurance has to pay to fix your truck, medical expenses for you, lost pay for you.
Since you have only been with your insurance company a few weeks you do have a small risk of being dropped. However, since you were not at fault the chances should be minimal. Insurance companies usually reserve dropping a new client for clients found at fault withing the first 90 days of their new policy period.
My brother got dropped once. He had a perfect driving record. It was inclement weather (ice & snow) when a lady pulled out in front of him. He slid for over a block trying to stop. He decided to throw his commercial work van into the ditch to avoid hitting her, but clipped her on the way into the ditch. He was found at fault since he couldn’t stop and his new insurance company dropped him since they had to pay out.
In your case, your driving record should not be affected by this accident unless you were ticketed.
Good luck!
Call the claimant carrier (the civic’s insurance company). set up a claim. if they give you any trouble, THEN go through your insurance company and have them deal with it.
You will not have to pay your deductible if the Civic’s company handles it, and your premium will only go up if a payment is made to someone from your policy.
If you make a claim with the other drivers insurance- then your rates will not increase.
If you make the claim with your own insurance, then you are subject to pay your deductible, and its possible your premiums pay increase.
As far as the company cancelling your policy – you would need to contact your agent to see what their cancellation policy entails.