Stupid Car Accident – Should I report the claim?
There are no stupid car accident out there. They happen all the time. But thousands of people to fall in an insurance case because she embarrassed file. The people also know that the submission of a claim that "less"
Amount will only increase their prices. They decide that it is better to pay out of pocket and call it good.
Is this a good approach? The reasoning is definitely sound. However, there are certain things that you should, before they are awareDecision.
They have an obligation to report a loss to your insurance company. It does not matter that there was a "stupid car accident" or with minimal damage. Your insurance spells call your duty and report what has happened. You need only "reasonable" time for a call on what is an appropriate time? That up to debate, but more than twelve months is likely to leave you without cover.
The effects of the notification of a claim is not serious.The insurer may pay for your fall or damage to third party claims against you. If you secure the door into the garage, then you are safe. However, if you a pole, the pole owner can come back and adjust two years later (depending on hit time-barred) in your country. If you are more concerned with their own vehicle and refused to at least call the insurance, then you need to be by his own defense.
Does thishappen? Yes, it works! They will try to sue you if they think they can get up to $ 5 to. Not reporting at the end of a stupid accident can cost you a bundle in legal fees.
In reality, the "pole" damage is not a huge concern. However, if you touch another vehicle, then you have a right to bodily injury. It could be the person in another vehicle or even your own
Passenger. It does not matter that the claim is ridiculous. You have to defend yourself. Hiring a lawyer is not cheap, and if you do not call in the request, then the insurance is not a defense for you.
Do you think there are frivolous suits out there? Yes, every day, and it seems there are only lawyers willing to sue almost anyone. Are you not their victim for a "stupid car accident, report the claim.
Most of the time call your agent is not enough. Make sure you call the real> Insurance claims department. Some agents never to lodge a claim. They believe that the claim is not a major problem and never file. If this were the case, could the insurance company still refuses to defend you, and you should be the agents for errors and omissions insurance, a lot of pain (go to know where).
Be aware of some agents out there. Most of them are very good and very honest, but there are some who will sell you a policy are discouraged or to your form in a claim. insurance agents get their share of
Sales of insurance policies. You also get additional incentives from the sale of policies lead to any claims. The agent has an interest in discouraging you from filling that stupid car accident.
You can always call the insurance company and report the claim to protect your reporting. Then you can tell them that you will address the claim itself. If you are really stupid> Car accident, then your claim
Adjuster, the demand note and then close your file. Now you will be fully protected, even when a frivolous action always occurs against you.
Visit http://www.auto- insurance -claim-advice.com/Duty-to-Report-Losses.html
For more information about your duty to report insurance claims.
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