Question: Do I Have To Tell My Insurance If Someone Hits Me?

How long does an insurance company have to accept or deny a claim?

40 daysIn California, insurance companies have 15 days to acknowledge a claim.

Once acknowledged and all documentation and proof have been received, they have 40 days to approve or deny the claim..

What happens if you don’t tell your insurance about an accident?

If you don’t stop after an accident and report it, you could receive a significant fine and up to six months’ imprisonment. If you don’t tell your insurer about the accident, or if you tell them too late, then they may cancel your policy and refuse to insure you in the future.

What should you not say to your insurance company after an accident?

What Not to Say to an Insurance Company After a Car AccidentDon’t make any statements right after an accident. … Don’t admit fault. … Don’t say you are uninjured. … Don’t give an official statement or recorded statement. … Don’t accept a settlement without consulting an attorney. … Stick to the facts. … Medical records.More items…

Will my premium go up if I am not at fault?

Under California law, an insurer cannot increase your premiums when you aren’t at fault.

Do you have to pay a deductible if you’re not at fault?

No, you do not have to pay a car insurance deductible when not at fault unless you file a claim with your own insurance. … If the other driver is uninsured or doesn’t have enough coverage to pay for your expenses, you can file a claim with your uninsured/underinsured motorist insurance, if you have it.

Does a police report say who was at fault?

Though the police report does not mandate who was at fault, it can be persuasive for insurance companies and courts when deciding fault. In addition, if police officers believe that one driver violated the law, they can issue a citation, conduct further investigation, or even arrest the driver.

How long do you have to call your insurance company after an accident?

24 hoursIf you are involved in a car accident, no matter who was at fault, and the accident results in injury or death, you are required by California law to report the accident within 24 hours.

How does insurance work if someone hits your car?

If someone hits your car and you do have collision coverage, then your insurance company can help pay for repairs. Collision coverage will also cover damage to your car if you caused the accident, or if there were no other drivers involved, like if you drove into a telephone pole.

Will my insurance rates go up if someone hits me?

Will my car insurance rates go up if my car was involved in a hit-and-run? Generally, hit-and-run car accidents will not cause your car insurance rates to go up. You can file a claim for car repairs under the collision insurance portion of your policy.

How does car insurance work when you are not at fault?

Even if you’re not at fault, you can make a claim with your insurance company for payment of damages and injuries — if you have the right coverages. … It will pay for the cost of repairs or total loss of your vehicle. If you take this approach, you will have to pay your collision deductible toward repairs.

Should you contact your insurance company if you are not at fault?

Yes. Regardless of fault, it is important to call your insurance company and report any accident that involved injuries or property damage. A common myth is that you do not need to contact your insurance company if you were not at fault.

Why do I have to pay a deductible if I not at fault?

Both insurance companies involved will investigate the accident to determine who was at fault. This investigation could take time. That’s why you should pay your deductible even if you didn’t cause the accident. Your insurance company may be able to subrogate from the other driver’s insurance company.