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By AJ Dellinger By AJ DellingerArrow Right Contributor, Personal Finance AJ Dellinger is a Contributing Writer . AJ writes about car loans and real estate. AJ Dellinger
If Someone Hits Your Car Whose Insurance Pays
Edited by Lisa McArdle Edited by Lisa McArdleArrow Real Editor, Insurance Lisa McArdle is an insurance editor who joined the team in 2023. She has over 15 years of experience writing, editing and managing content across a range of industries, including insurance and motoring news. and pop culture. Connect with Lisa McArdle on LinkedIn Linkedin Lisa McArdle
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Being in a car accident, no matter how serious, can be a terrifying experience. In the event of a minor accident, it’s good to know that your insurance covers any damages. But if the accident is small enough, you might wonder if it’s worth calling the insurance company at all and risking higher premiums. If you’re wondering what happens if you don’t call your insurance after an accident, this guide will help you figure out what to expect.
Hit By Uninsured Driver
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Costs will continue to rise until 2022. Shop around for a better rate before renewing your current policy.
There is always a certain level of risk involved in paying for car accident damages yourself. Despite this, it is not necessarily always required to take out insurance. Not using your insurance to pay for an accident means your premiums shouldn’t go up due to a claim, which is a big advantage. Here are some accidents where taking out car insurance may not be necessary:
Sometimes accidents don’t involve other drivers. If you get into a minor collision that doesn’t involve anyone else or another car, such as hitting a sign or pole in a parking lot, you can file an accident report and have it repaired out of pocket. You’ll have to pay for the damage yourself, whether it’s polishing a dent or fixing a crack in the glass. It’s possible that your insurance deductible is higher than the cost price, so you can save money by paying it yourself.
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If you are involved in a minor collision with another driver, such as being rear-ended at low speed or hitting another car in a parking lot, it is worth assessing how much damage is done. If it’s so minor that you and the other driver can work it out by paying for the damage out of pocket, it may turn out to be cheaper than having the insurance companies get involved.
However, part of the value of going through insurance is getting a broker. There is no way to hold parties accountable for promises or determine who is at fault without insurance. Make sure you don’t leave the scene of the accident without first talking to the other driver and agreeing whether or not insurance is included.
Car insurance is designed to protect your finances in the event of an accident, whether it’s a crash or being hit by another driver. While you may be able to get away with not contacting your insurance company after some accidents, most of the time you need to notify them. Here are some situations in which you should always contact your insurance company:
If you or another driver involved in the crash is injured, you must contact the insurance company. The personal injury liability portion of the insurance typically covers injuries caused to another driver
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