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Why You Should Report a Minor Accident to Your Insurance Company

It happens frequently: once a automobile accident with no injuries and negligible injury, the concerned drivers agree upon a settlement while not involving their various insurance firms and minus the official police report. sadly, too again and again this arrangement simply doesn’t finish well.

According to the specialists, the sole means that you simply are often assured that you simply can get paid for the damages is to file associate claim.

Take the subsequent incident for a primary example of the on top of.

I was minding my very own business as I drove down the quiet, rural street wherever my house is placed. Suddenly, I felt the force of a crash as another vehicle collided into Pine Tree State from behind. I exited my automobile to look at the injury. To my surprise, the opposite driver – the one United Nations agency had caused the accident – was my smart friend and neighbor.
“Sorry,” aforementioned John with a sheepish smile.

“Don’t worry regarding the injury, i am going to pay attention of it in person. Let’s not involve the police or the insurance firms. This way, {there’s no|there is no|there isn’t associatey|there is not any} risk of an premium increase, as usually happens once creating a claim.”

At the time, it did not occur to Pine Tree State that there would be any downside with this arrangement. After all, John and that i were friends, neighbors that met on an everyday basis.

“Sure,” I responded. “If that is the means it works best for you, i am going to go along side it.”
Well, the story failed to endwise a cheerful note. I got the rear fender mounted and sent my receipt to John, with no thought that there would be something to stress regarding.

I was wrong.

It’s been sixty days since the accident, and that i have nonetheless to receive recompense from John United Nations agency has no shortage of excuses and guarantees that the payment is returning…

The on top of state of affairs repeats itself time and time once more once minor collisions.
Drivers, beware!

Even if the opposite driver is your friend, neighbor or a sure acquaintance, there’s ne’er 100% assurance that you simply can see payment for the damages he or she caused.

In associate instance wherever the liable driver doesn’t honor his or her financial commitment, time has march on and it’s going to be too late to supply adequate substantiation in relevancy damages and United Nations agency is guilty

Besides, the liable driver could betray your trust and report the accident to his or her insurance carrier. He or she could go even additional with the betrayal by twisting facts and truly lying regarding injury claims that ne’er were gift at the time of the accident. If this happens, your insurance firm could need to ship out an oversized payment. it’s going to conjointly initiate a causa against you, in addition as forcing you to pay the rest of what the courts view as your obligation once your insurance firm has reached the boundaries of your policy’s coverage. Lastly, you may be certain associate unpleasant premium increase.

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