Why did my car insurance rates go up if the accident was not my fault?
Why car insurance rate goes, up when not at fault?KH, you should have received a denial letter from both companies to verify whether you were at fault. Ask your agent for the denial letter from the other company. Sometimes insurance companies agree both drivers contributed to the accident.If you were not LEGALLY at fault, your insurance company now considers you high-risk[1] because in their assessment you were NOT driving defensively and could have avoided the accident or minimized the damage (even if the other company paid) .Also, your past driving record, traffic tickets, and credit score[2] figure into the decision to raise rates. Finally, if you do not have an "accident forgiveness clause" your rates will likely go up.The average driver is expected to have an accident, once every 18 years[3] . Even if none of the accidents are the driver's fault, if your accident rate is more frequent, you are a high-risk driver.Why Car Insurance Rates Go Up After Accidents | DMV.ORG6 Ways to Reduce Car Insurance After an AccidentThis Insurance Company Is Most Likely to Ding You After a Crash - Even If It’s Not Your FaultWhat to do after a car accident that's not your faultFootnotes[1] comparethemarket.com - Will an accident affect next year's car insurance premium?[2] Does Your Credit Score Affect Your Car Insurance Rate? | Edmunds[3] How Many Times Will You Crash Your Car?
I have no car insurance and the accident was my fault. What happens if I can't or won’t pay for the damages?
If you were uninsured you have several options:You can pay the other party or his insurance company if they paid for the repairs. You may be able to negotiate a compromise based upon comparative negligence factors or impecunity. It doesn’t hurt to try to settle for less than the demanded amount. Trust me, they would rather get some money now than wait for an installment agreement to be fulfilled. Payment will allow you to retain your Operator’s License and vehicle registration.You can enter an installment agreement to repay the damage month by month. Again, you may be able to negotiate a compromise. Do not promise to pay more per month than you can afford. Defaulting would have negative consequences. An installment agreement will allow you to keep your Operator’s License and vehicle registration.You can ignore the demands for payment. Sooner or later the nice sheriff will drop by your house to invalidate your Operator’s License and confiscate your vehicle license plates. Depending on the state, you will not be able to regain your license or registration privileges for a number of years.You can post a bond with the state’s Safety Responsibility Unit, usually equal to the cost of repairs. If you do that and lose a lawsuit, the state will turn the funds over to the plaintiff. If you win, they’ll return the deposit to you. A bond will protect your license and registration.You may get sued and have a judgment awarded against you. If you had not posted a bond and could not pay the judgment, it would affect your credit rating for years to come. You would also lose your Operator’s License and registration privileges.I recommend you choose the installment agreement if you do not have funds to pay the full amount at once. Do this swiftly so that you don’t get a visit from the sheriff to either serve you with suit papers or confiscate your license and plates.
The insurance company is trying to screw me! It wasn't my fault. They totaled my car with minor damage.?
I was sitting at a red light and my 93 Jeep Grand Cherokee was rear-ended. It only has minor damage and is fully drivable but the rear hatch is jamed shut. The insurance company wan's to give me the blue book value and take my car but I know I can't replace it with one that runs as good and I can't afford to spend more on a newer car. My Jeep runs great and one that I buy for $2800 will be full of problems. How can I get them to fix the Jeep? What can I do to get some leverage here?
Got into ACCIDENT, NO INSURANCE, NOT my FAULT?
What will happen now is that if her insurance finds that she was liable, it will pay to repair your car. The fact that she admitted she was at fault, despite what so many people think, doesn't count and means nothing. Why? Because she doesn't get to assess fault, only insurance companies get to do that. You may be arrested for driving uninsured and without a license but her insurance will still pay for your repairs if they determine that their insured was at fault. (If you account of the accident is accurate, It does sound like she should be found at fault) Getting insurance now will not help you for this situation. That would be like closing the barn door after the horse got out. By law you need your states minimum liability coverage. This is a helluva time to be thinking about buying insurance. You apparently weren't worried about it before? Park the damn car until you get a drivers license and insurance. Remember what my Dad told me once when I got in driving trouble.....................: "Walkin ain't crowded"
My car was wrecked i need HELP their insurance company is trying to screw me, what do i do? it wasnt my fault!
They want to total it out because the cost to fix it would be more than what they figured the A.C.V of the veh would be. Since the veh is a 98 an insurance company can repair upto 100% of the value of the veh. So in the eyes of the insurance company the veh is considered a rolling total, just because of the year, and mileage most likely. You have the right to keep the veh, what they would do is still total it out on there end. If you tell them you want to keep it, they will call a local salvage yard, and see what they can get for your veh if they junked it to the salvage yard, they will then most likely deduct that from the settlement amt they give to you, if you say you want to keep. So to sum it up, they determine the actual cash value of the veh (damage,interior, exterior, etc) they will then deduct salvage value (what they could get if they sold your car to junk yard), and that would be the settlement amt. So what Im getting at is if they want to total it they'll total it, but you don't have to worry to much about a salvage title because the car is a 98, and my understanding, and training is that any veh over 8 years old, runs the risk of salvage title if totalled out by insurance company. So u can tell them you want to keep, they'll make check payable to you, and your lien holder, and you'd have to have the lien sign off on it to get it fixed at your friends shop. Or tell the adjuster that you have a shop that will fix for $2000. If there is $2000 in damage on a 98 Escort on the rear of the veh, then most likely there is suspension damage, frame damage possibly (escort is a unibody veh made out of sheet metal, so no real frame, all welded together, doesn't take much to screw them up) If that much damage I would be concerned with driving it after the fact.. Good Luck
Will my insurance premium increase with no fault accidents?
I met with two accidents in the last 3 mths. Both were ones where the cars hits me at the rear end of my car so it wasnt my fault at all. Both accidents were reported to my insurance company "(geico). I have never had any accidents before not have i had any tickets or violations before. I have been with geico for almost four years now. Will my premium go up on renewal? I have also heard that even if my premium may not increase, it will not even decrease upon renewal as it would have otherwise. Is this true? If yes, Is there anything I can do to prevent this?
Help just got into motorcycle accident without insurance wasnt my fault?
Your license status will depend on which State you live in. Check their DMV website for details.In my State, operating a vehicle or bike without minimum liability insurance is illegal, and cause for suspension of a Driver's License, and this is the trend in many States as well. My concerns are your injuries and the fact you told the Officer you were unhurt. You most certainly were hurt and you deserve to be compensated! Didn't it strike you as strange that this reckless driver tried to buy you off for a quick $200.00? You have a solid personal injury claim and most lawyers will represent you on a contingency fee basis. That means they get paid a percentage of what you receive from the other driver, and you pay nothing out of pocket. A few "cuts and bruises" is worth a couple thousand dollars alone. Plus you have underlying injuries from the terrible trauma your body sustained. It can take months for 'soft tissue injuries' to become noticeable, so your lawyer will advise you not to settle this quickly. Talk to a Personal Injury Lawyer ASAP, and don't tell people you feel fine. You won't know how serious your injuries are until your body has time to start hurting. An educated guess would be you have a 5 figure claim$ against the guy who nearly killed you. If you are telling the truth, his insurance company will be anxious to settle this claim by repairing your bike, and healing your body. Good Luck!
Have you been in a car accident that wasn't your fault but you got the blame?
I have been in one where, if I did not have a dash cam, that would have happened. A guy backs up into me and says, with a smirk, it’s your fault and you cannot prove otherwise. And “Oh, my neck is hurting.” Almost always when there is front end damage on one car and rear end damage on the other the driver with front end damage is at fault. I said nothing to him but called for a cop. I let him give his story to the cop. Then I showed the cop the video. Handcuff time. His insurance company tried to get out of paying because it was deliberate but that did not fly. There was no pain and suffering to claim on my side but I do think that not at fault drivers should also be able to claim for time lost.