Failure to report an accident to a insurance company and they find out about it. Should I deny it? HELP:( ?

I had an accident year ago, there was no one involved. I had a flat tire and lost control on the highway and hit the wall on the side. But I did not report the accident to my insurance company. I pay for the cost myself and did not even get a traffic ticket. Now I had another accident and reported.The shop that my insurance company took my car to notice there has been some repairs to the car (my car is 07.I have not been to an accident before) And now they are saying that, previous accident caused the damage of to some parts of the car. And want me to report the previous accident that I payed for the repairing ($2,800) If I tell them I did been to an accident, I had to open a new case which will cost me $500 (deductible) and increase my insurance rate.
My Question is... Should I deny it and let them figure out what to do and what will happen to my car if I deny it? what if they don't fix my car and leave it like it is? Is there anyway they can figure out that I did been to an accident?
Please HELP :(
Additional Details
For my previous accident, I only had to remove the back and front bumper. Since my car was brend new it cost me a lot. I had so order new parts. But the damage the insurance company blaming the previous accident is in/on or somewhere on the ENGINE. My previous accident had nothing to do with my engine.

Guy I

Well this all depends on your age for how much a accident will effect your insurance and by how much. It seems like you are not that great of a driver if you are having allot of accidents and you possibly already have a record of accidents. That may be why you tried to hide the other accident.
In the previous accident you did not repair the car correctly, because why are they noticing damage, you must have did a cheap cover up not repair it or there would be no question. They can tell by rust and how old it is from prior damage.
Now they can charge 2 deductible and two accidents or they could just cut you a check for what it would cost to repair the current damage (Minus (-) deductable - prior damage cost. What is left over is yours to try fix your car with. That might be what they do if you just play stupid and have them decide how they want to pay the claim.
This all depends on the what company you have and what they do.

mtwaites

Unfortunately, you are going to have to tell them. If you're wanting to keep your car, insurance and licence, you should tell them about it. If you don't tell them about it, then you're going to run the risk of losing all of it.

LeAnne

How can you possibly deny it when the evidence is clearly evident to the body shop that estimated the latest damage?
Get the estimate for the new repairs less what ever they feel is previous damage and bite the bullet and get it all fixed once and for all.

malcolm c

I don't understand why you didn't report it in the first place. Instead of paying $2800 out of pocket, all you had to pay was $500 deductible and maybe a slight rate increase. It still woudn't amount to the $2800 you already spent, and subsequent rate increase you are facing now.

Obviously there is nothing you can do but reopen that case with them. They already know about the previous damage. Did you buy your car new or used? If bought new then you are SOL, but if it was used you could blame it on previous ownership {but you've done enough lying, so maybe not}

jtexas

Ok, there's no way they can make you pay the deductible when you never made a claim.

You are not compelled to report or make a claim every time your car goes in the bodyshop. By *not* making a claim you save money for the insurance company.

What they are saying is that you still have damage from the first wreck that needs repair. They think the repair costs they are looking at now came from separate events, so you have two deductibles.

Wrecks can sometimes cause damages that aren't apparent until you disassemble the car.

Here's what I'd do:
1. Go to the first body shop and talk to the manager or service advisor that worked with you. Find out what they know, and what they would say if an insurance adjuster comes to investigate.

2. If you are right, they should tell the insurance company that they completely fixed all the damage from your first wreck. That can only help you, not hurt you.

3. If that's the case, then make a full report to the insurance company, and insist they interview your body shop.

4. If for some reason the other shop says they did leave some damage unrepaired, then you just deny everything.

Remember, you've done nothing wrong, and they absolutely can *not* make you pay again for repairs you've already paid for. Get a lawyer if you have to. Don't take this kind of crap from your insurance company.

Lota V

For car insurance the fastest way to get a cheap quote is do a policy comparison. Be sure to choose the same coverage levels, you can get an quick quote to compare against others. Use the same zip code, auto make and model, mileage and driving history to make sure you get accurate comparison. To get fast auto quotes, go to http://www.simpleautoquotes.com/Auto-Insurance.html and you can compare all the major auto insurance companies.

Enter Your Message or Comment

User Name:
User Email:
Post a comment: