Should our insurance pay us for accident not our fault? Will this count against us 4 future rates?

Question

Should our insurance pay us for accident not our fault? Will this count against us 4 future rates?

Answer 1

Try to deal it out of pocket, cause otherwise your insurance rates will go up.

You can easily compare how your quotes will change in internet, for example here: http://carquotes.sinfree.net

Answer 2

Should not raise your rates but it could..... Ask your insurance company.    If you are afraid your rates MAY go up you can either not use the insurance you bought for exactly this purpose and pay for it yourself (why even have insurance?) or let them repair the damage.

Answer 3

Depends on if the other driver had insurance.  If not, most car insurance policies have a provision for uninsured and underinsured motorists (and you may have to pony up the deductible).  If the other driver has adequate insurance, your company generally doesn't pay you.

That being said, if they have to pay you, there is the potential that your rates will increase because of the claim against your insurance.

Check your policy.

Answer 4

Your insurance gets involved only to repair your vehicle, they then approach the liable parties insurance company for what was paid out.  If the liable party is uninsured, your policy becomes primary.

Under most policies (Calif.) your premiums are not affected unless your 51% or more at fault for an accident.

Answer 5

Typically - the at-fault insurance company will pay. If there was not enough coverage under the at-fault policy, your policy will pay the balance. If the at-fault driver has no policy - your insurance will pay the bills. If the at-fault company balks at paying - chances are your insurance company will pay, but will then go after the at-fault company for reimbursement. Insurance companies and lawyers call this subrogation.

Since you were not at fault - chances are it won't affect your future rates. Your rates *might* go up if your company can't recoup their losses from the at-fault person/company, but that usually doesn't happen.

The best place for answers to these questions is your insurance company. They can tell you exactly what they will do, and what they expect from you (if anything).

Answer 6

>> Should our insurance pay us for accident not our fault?

Only if the other side didn't have insurance - or hit and ran.

>> Will this count against us 4 future rates?

Can't say for sure.

Good Luck...