Users' questions

How to settle a car accident without an insurance company?

How to settle a car accident without an insurance company?

This report will be an official documentation of the vehicles and people involved, any injuries, damage and what reportedly happened to cause the wreck. Get multiple quotes for vehicle repairs: Getting multiple quotes for garages/body shops for repairs to damaged vehicles will help to ensure you’re getting the best deal.

How to claim from the other driver in a car accident?

To claim from the other driver tell them in writing that you want to claim from them. If they were driving a company vehicle, also let the company know what’s happened. You should tell your own insurer that you have done this. The other driver should report the accident to their own insurer.

Is it legal not to tell your insurance company about a car accident?

But there’s nothing wrong with your not wanting to tell your insurer. You aren’t doing anything wrong by keeping your mouth shut. Or more to the point — reporting an accident to your insurer is not a legal requirement, says Brian Rauber with the Rauber Insurance Agency in Gladstone, Missouri.

What happens if your car is involved in an auto accident?

If your car is involved in an auto accident, then you, as the vehicle owner, may be held liable for any damages—whether you’re behind the wheel or not. If you or a loved one is involved in an accident, after you get the appropriate medical attention, be sure to contact an experienced auto accident attorney for assistance.

Can a car accident be caused by an unlicensed driver?

In order to be held liable, they must have acted carelessly in some way that caused the collision. In most (but not all) states, a person needs a valid license in order to obtain automobile insurance for a vehicle registered in their name. The absence of a proof of a driver’s license would prevent that person from obtaining insurance.

What happens if you are involved in a car accident without insurance?

If you are involved in a car accident and are found to have been driving without insurance, the penalties can be even more severe. At last count, at least 12 states followed what is known as a “no-fault” car insurance system.

Can a car accident be settled without a claim?

Instead, the drivers work out an agreement to settle the matter between themselves. The reason, of course, is to prevent a claim from wrecking the at-fault driver’s car insurance rates for the next few years. This route can be full of pitfalls, but done right, it makes an expensive nuisance a less expensive nuisance.

What to do if the other driver is at fault in a car accident?

Write down the full name and contact information of the other driver and their insurance information. Get a police report in accidents the other driver is at-fault: Even if your state doesn’t require a police report, it is wise to get one.