Will my insurance rates likely go up because of a fender bender?
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Will my insurance rates likely go up because of a fender bender?
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This morning I accidently hit a woman while pulling out of a parking space. She was coming fast behind me when I hit her, however because I was going at such a slow speed, my bumper put a small shallow dent in the sideboard right above her front tire. However, there wasn't a scratch on my car. She made a huge deal about it, including having the police called to file a report, and also keep saying she was worried that I knocked her alignment off which is complete BS. She also sort of admitted fault to not seeing me when i was backing out. I did not admit any fault whatsoever. She will probably file a claim soon when the police report comes out. Should I try to notify my insurance company and give them my side of the story?
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Porscheman951
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Most state laws will put the blame on the person backing up, as you have to make sure it is clear before you start backing up. It might depend on if you live in a no fault state or not. If you are in a no fault state, each person would file with their own carrier. If not, then I would call the claim in and give them your version. Even if you don't and she calls your carrier, they would still have to verify facts with you before they do anything. You are probably right, a parking lot accident is too low of speed to make her alignment go off. The deciding factors on chargeability will be if you are majority at fault for the accident and if the payment goes over a certian threshold that the insurance company has to make it a chargeable loss. |
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