| TuneIn |
If you get into an accident and you are not at fault, can you make
an insurance claim without getting higher premiums? |
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| Driven |
quote:
Originally posted by TuneIn
If you get into an accident and you are not at fault, can you make
an insurance claim without getting higher premiums?
Yes.. the person who is at fault.. their insurance company pays for your repairs.. and therefore their insurance premiums go up. |
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| Godzilla |
| you can, however i have relatives that have made multiple not at fault claims and their insurance companys have raised rates and threatened to drop polocies with one more accident. |
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| TrevorK |
quote:
Originally posted by Godzilla
however i have relatives that have made multiple not at fault claims and their insurance companys have raised rates and threatened to drop polocies with one more accident.
People who have many not at-fault accidents are high risk drivers for an insurance company, and will have higher rates and dropped if they have too many accidents (even if it's not their fault).
However, for almost every company, if you have an accident whereby you are not at fault your insurance will not go up significantly. It may go up slightly if you lose a "claim free deduction" (Or whatever your company calls it) but it shouldn't amount to that much. |
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| TuneIn |
My friend got into an accident, and it would have been his first claim and he told me his insurance would sky rocket if he made a claim..
Basically, if he would have gone through insurance, his premiums wouldn't have gone up and he wouldn't have to pay anything since he was not at fault? |
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| TrevorK |
quote:
Originally posted by TuneIn
Basically, if he would have gone through insurance, his premiums wouldn't have gone up and he wouldn't have to pay anything since he was not at fault?
He may lost a "accident free" bonus the insurance company gives out, but provided your friend has only got into 1 non-fault accident his rates should not go up significantly.
For many people they pay their deductable initially while insurance sorts out who is at fault. Then, if you are found not-at-fault they reimburse your deductable. |
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