Jul
26
Basically someone two cars ahead of me made a sudden stop, the woman in front of me had to stomp the breaks in order to stop from hitting her, I was not so lucky. Me being in a F-150, it’s not so easy to stop on a dime, so I hit the woman in front of me, causing minor damage to the back bumper of her car.
The car is not hers, it is a rental car, and I was told by a few people that because the damage was minor, their insurance company would probably not go after my insurance company for money. The Police were called and a report was filed. Is there any chance at all my insurance company will not find out about this, I really can’t afford the rate hike. Am I screwed?
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8 Responses to “I had a car accident today, my fault, will my insurance company find out?”
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Don’t believe it! With rental cars, not only do they charge top dollar for the repairs, but they ALSO charge you the loss of rental income for the 3-4 days the car is in the shop. Figure at least $400 for loss of rental income, and probably another $1,000 in damages.
You are getting BAD advice.
I wouldnt chance it. You are suppose to even report it to the DMV if the damages look over $700
yes. the rental agency will go through your insurance company to get the repairs fixed. they have to its policy. dont really concern yourself with the rate hike. i had a car stolen a year ago and they had to pay $38,000 and i was a new customer. i saw a $17 increase in insurance.
Well, to answer your question, if you provided proof of insurance to the officer it is in the report.
The car rental company will ask the woman about the damage and expect her to pay for it so, unless you have an agreement with her to cover it, the next thing will be the woman giving the information to the the rental company.
Guess who THEY are going to call…. you with your paycheck or your insurance company with their big wallet?
Now when your company gets the claim from the rental agency and notices that you have not told them about it …. (no need to go on… you have the picture)
You are better to call your company and tell them about it and also tell them that you are hoping to settle the matter without a claim. If you are successful then they won’t consider the matter when renewal time rolls around. If you are not, then your *ss is covered because you reported it.
But get in touch with the woman promptly. Maybe you can even fix the car BEFORE she returns it…. problem solved.
good luck
They will absolutely, positively, 100% no doubt find out about this accident. When she turns the rental back in- they arent just gonna be ok with it having damage. So the rental company will find the at fault parties insurance (being you) and contact them to get reimbursed. You really think they will just let it go and not go after your insurance to get it back? I dont think so.
Regardless, since a loss will be filed to an insurance company.. the loss will be entered into a national database that your insurance will check through during renewel period.
So.. i guess in theory.. yes.. your screwed. But thats what you have insurance for… everyone gets in an accident every once in awhile
anytime you hit a person from behind then you are automatically at fault. it is your responsibility to maintain a safe distance from the vehicle in front of you.if you had accident forgiveness from state farm would it matter ? hell no you is screwwed dude.LOL!Look on da bwite side at weast ya had som insuwance heehee(elmer fudd wanguage):)))
Your insurance company will find out about it…how, they’re gonna get a call from the rental agency, or the other insurance companies involved.
The rental agency will in fact pursue recovery of damages, if not from you directly then with your insurance company. But word to the wise, although they will ask you for administrative fees and loss of use, they have to PROVE they lost income on the rental while it was being fixed, and since the weather is bad…alot of these agencies are sitting fat, meaning they have more cars sitting on the lot waiting to be rented then let’s say, in the summertime when travel is high. And this is VERY hard for them to prove…especially if they’ve rented it out a few times before actually getting the car to the shop.
Chances are you are screwed. If the lady you bumped into goes to the hospital then your ins. com. will definately find out. As for the car rental co. the lady will have to explain what happened to the car or she will have to pay for the damages. I don’t have much experience with that part but good luck.