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Started By
Message
Uninsured motorist damaged my car- file a claim or no?
Posted on 11/17/16 at 12:56 pm
Posted on 11/17/16 at 12:56 pm
I have protection against those type of frickers on the road. Tried to file a claim
Against him and his auto insurance company said he hadn't had a policy with them in 3 months. I have his info and I have his license plate #. If I file a claim with my insurance company, will my premium go up even though it wasn't my fault?
Against him and his auto insurance company said he hadn't had a policy with them in 3 months. I have his info and I have his license plate #. If I file a claim with my insurance company, will my premium go up even though it wasn't my fault?
18
Posted on 11/17/16 at 12:58 pm to 13yearvet
Posting just to read the responses
Posted on 11/17/16 at 12:58 pm to 13yearvet
quote:
will my premium go up even though it wasn't my fault?
probably not, according to a guy I know, but if the damage is under two grand you might consider self insuring
Posted on 11/17/16 at 1:01 pm to 13yearvet
I just went through this.
Got rear-ended near Scott on I-10, and his mamma "didn't pay his payment" so his policy was cancelled before the accident.
So, we filed with ours, and instead of the expected $500 deductible, it was $250 vs. uninsured.
So yeah, call em.
Got rear-ended near Scott on I-10, and his mamma "didn't pay his payment" so his policy was cancelled before the accident.
So, we filed with ours, and instead of the expected $500 deductible, it was $250 vs. uninsured.
So yeah, call em.
Posted on 11/17/16 at 1:02 pm to 13yearvet
quote:
will my premium go up even though it wasn't my fault?
Yes, it has happened to me too many times.
Posted on 11/17/16 at 1:12 pm to 13yearvet
I would file a claim 100%
Did you get a police report?
Your premium will not go up.
Did you get a police report?
Your premium will not go up.
Posted on 11/17/16 at 1:13 pm to 13yearvet
I got in a wreck this morning that was my fault and the guy drove off. I thought about chasing him but then realized it would be pointless. I guess it was better for me that he drove off?
Posted on 11/17/16 at 1:14 pm to Ed Osteen
quote:
I guess it was better for me that he drove off?
thanks a lot, that guy was probably on a terrorist mission that you could have foiled
Posted on 11/17/16 at 1:15 pm to Ed Osteen
If true, you have filed a police report. And told them it was their fault. Got license info, etc.
Posted on 11/17/16 at 1:30 pm to ksayetiger
I wasn't able to get his license because I wasn't expecting him to drive off. Why would I file a police report on something that was my fault? I don't really know how that works and haven't spoken to my insurance yet
Posted on 11/17/16 at 1:52 pm to 13yearvet
Do you have Collision and did you call the police?
Posted on 11/17/16 at 1:55 pm to 13yearvet
It's a no fault of yours incident. Your premium does not go up, I've used mine twice.
Posted on 11/17/16 at 2:16 pm to boosiebadazz
quote:
Posting just to read the responses
always some real smart ones that show up, huh?
Posted on 11/17/16 at 2:45 pm to 13yearvet
Depends on the amount of damage and what your deductible is IMO.
Posted on 11/17/16 at 2:53 pm to 13yearvet
If you can afford it, go ahead and take your loss. You will get screwed otherwise. This person probably has nothing to sue for but you can try.
Posted on 11/17/16 at 3:10 pm to 13yearvet
Do it. Let us know how it goes
Posted on 11/17/16 at 3:34 pm to 13yearvet
Posted on 11/17/16 at 3:36 pm to Ed Osteen
Make sure the cops know he backed into you at the red light.
Posted on 11/17/16 at 4:48 pm to BayouBengalinBama
No police report. Can't lie the incident happened right outside my house. Didn't want that attention nor did I want the guy to know where I lived
Posted on 11/17/16 at 4:49 pm to CaptainsWafer
Yes I do. No police report. Happened 2 weeks ago. I have pictures, license plate guys name too
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