my car got hit, need insurance advice

[BigBlock69RS]

Originally Posted by Avenging Orange

Yes, always call them.

X2, they should know even if if there is another insurance company involved. You never know what will happen, best to follow procedure. What does your policy say about getting in an accident and notifying them?

[justin2fast4u]

Originally Posted by NJBourne23

Agreed! Look like it might just need to be popped out, no paintwork unless i am seeing it wrong. Might be better to keep it off insurance all together.

it's much worse than it looks in the picture, there is paint damage too

[JTruck]

Your insurance company does not own your car, they just insure it so unless you need to get money on a claim, why do they need to know?. You would want to contact your insurance company if the opposing insurance company isn't wanting to cover it, so they can fight it out.

[AztecCamaro]

Call your insurance company to let them know. It's called a RPO or reporting purposes only. If down the road you end up getting screwed over, your insurance already knows about it and can act quickly. It will not affect your rates because you were not at fault.

My recommendations as a Geico claims investigator

[myold88]

Originally Posted by AztecCamaro

Call your insurance company to let them know. It's called a RPO or reporting purposes only. If down the road you end up getting screwed over, your insurance already knows about it and can act quickly. It will not affect your rates because you were not at fault.

My recommendations as a Geico claims investigator

Wrong.... Only contact your company if you have a problem collecting 100%
from the responsible 3rd party. Theres no time limit if reasonable.
I guess I've been in the business a bit longer.

[BRUKSHOT]

Contact your insurance agent and ask him what you should do. That's what he gets paid for...helping you.

[lurker]

Originally Posted by myold88

Wrong.... Only contact your company if you have a problem collecting 100%
from the responsible 3rd party. Theres no time limit if reasonable.
I guess I've been in the business a bit longer.

Please tell us which insurance company you work for, because it's very hard for most reasonable people to comprehend that State Farm or All State or USAA would have any problem whatever being notified in this situation.

[Rocky1974]

Originally Posted by NJBourne23

Agreed! Look like it might just need to be popped out, no paintwork unless i am seeing it wrong. Might be better to keep it off insurance all together.

You're seeing it wrong. It's gonna need paint!

[RollaMo]

Originally Posted by justin2fast4u

ive heard if my insurance would find out if i didn't tell them they could drop me? is that not true?

Well technically your insurance company can drop you anytime they want.
There is no law that says they have to provide you insurance.

But in this instance, you shouldn't have to worry about them dropping you over this.

Originally Posted by Avenging Orange

Yes, always call them.

Yes!

Always a good idea to keep your insurance company advised as to what is going on.
Even though the claim will be handled through the other company, you pay premiums for your company to "look out for you".
They will (should) go to bat for you if needed in the case the other company is slow or tries to short change you on the repair.

[06_warrior]

Originally Posted by JTruckenbrod

There is no need to contact your insurance. You are not filing a claim with your insurance, so it is none of their business.

+1 No need to call them unless your uncle's insurance drops the ball. If your car doesn't get fixed then you can call your insurance.

[Mwalterhouse]

Originally Posted by BRUKSHOT

Contact your insurance agent and ask him what you should do. That's what he gets paid for...helping you.

Perfect answer, your agent will tell you exactly what you should do.

[MBS]

Less they know the better

[jd10013]

Originally Posted by justin2fast4u

some say yes and some say no, im confused lol

your insurance has no stake or ownership in your car. they're simply there to repair it if you damage it or someone without insurance does. they have no need to know, and your under no obligation to tell them. even if you were at fault you don't have to tell them. you can always pay for the other drivers damages out of your own pocket.

now if you get a ticket, or move, or have a child get his first license or permit then you have to notify them. that effects your risk to them, and will effect what you pay.