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Message
re: Auto insurance claims question
Posted on 4/22/26 at 4:48 pm to LSUFanHouston
Posted on 4/22/26 at 4:48 pm to LSUFanHouston
Only file under your policy if you have coverage (collision) otherwise let the tp carrier handle it.
Assume with a kid car you’re liability only
Assume with a kid car you’re liability only
0
Posted on 4/22/26 at 5:05 pm to Chad504boy
quote:
well sir, they aren't surcharging you for your accident but you did lose all your claims free discounts. Sorry about your luck bro.
That’s on your side of things. Shameful. Policy makes you report or else. There’s a claim.
Posted on 4/22/26 at 5:06 pm to Motorboat
The frick it is not that is the insurance carrier doing that and it’s absolutely 100% true
Posted on 4/22/26 at 6:44 pm to Chad504boy
You don't understand insurance claims. The insurance policy is a contract between two parties, with the conditions spelled out clearly for both sides regarding what actions must be taken in the event of a loss and each side's responsibility. I am guessing that you are an agent.
Posted on 4/22/26 at 6:46 pm to nealnan8
I do. You can tell yourself whatever you want.
There is no liability if they are not at fault. No duty needed at all to report to own carrier. AT ALL.
There is no liability if they are not at fault. No duty needed at all to report to own carrier. AT ALL.
Posted on 4/22/26 at 7:36 pm to Chad504boy
Read your policy if you don't think you have a duty to report an accident regardless of fault. And if you file a claim that for a loss that is listed under a named covered loss, then yes, your insurance company is contractually obligated to pay for that loss.
Posted on 4/22/26 at 7:42 pm to LSUFanHouston
Had a similar case couple years ago where three drivers and police report were in conflict. Filed to repair my vehicle under my collision coverage. Took a year to settle claim under arbitration between insurance companies so I would have been without my vehicle for a while if I had waited until it was resolved. Ultimately, another driver found at fault so my insurance got the money back in the end but over a year later
Posted on 4/22/26 at 8:27 pm to nealnan8
You’re completely whacked out bro.
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