So my nephew got into a wreck a couple weeks ago. He hydroplaned into a tree...single car accident, no injuries or property damage, other than the obvious. Walked home because he didn't have his phone. Car was towed the next day to a body shop via AAA.

There was no accident report. The question is what kind of documentation will a standard insurance company require to file a claim?

10/8/2012 1:01:24 AM

They will probably require a accident report if one is required by state law. The law in NC defines a reportable crash as:

Quote :

"A crash involving a motor vehicle that results in one or more of the following: a. Death or injury of a human being. b. Total property damage of one thousand dollars ($1,000) or more, or property damage of any amount to a vehicle seized pursuant to G.S. 20-28.3."

http://www.ncga.state.nc.us/EnactedLegislation/Statutes/HTML/BySection/Chapter_20/GS_20-4.01.html

Quote :

"(a) Notice of Accident. – The driver of a vehicle involved in a reportable accident must immediately, by the quickest means of communication, notify the appropriate law enforcement agency of the accident. If the accident occurred in a city or town, the appropriate agency is the police department of the city or town. If the accident occurred outside a city or town, the appropriate agency is the State Highway Patrol or the sheriff's office or other qualified rural police of the county where the accident occurred."

http://www.ncga.state.nc.us/EnactedLegislation/Statutes/HTML/BySection/Chapter_20/GS_20-166.1.html

Any other documentation should be requested/obtained by the claims adjuster during the filing process and investigation.

10/8/2012 8:26:48 AM

is there a we told you so element to this?

i dont think you have to have a police to report to file a claim. the crashed car should be proof enough

10/8/2012 10:48:14 AM

Quote :

"is there a we told you so element to this?"

Different nephew.

10/8/2012 1:01:21 PM

Quote :

"So my nephew got into a wreck a couple weeks ago"

10/8/2012 1:22:39 PM

Aren't you supposed to be in Vegas?

10/8/2012 7:19:05 PM

Wait until he is sober to file a claim or call authorities.

10/9/2012 3:33:03 PM

Wait until he is sober to file a claim or call authorities.

10/9/2012 3:33:03 PM

Wait until he is sober to file a claim or call authorities.

10/9/2012 3:33:03 PM

Wait until he is sober to file a claim or call authorities.

10/9/2012 3:33:03 PM

Wait until he is sober to file a claim or call authorities.

10/9/2012 3:33:03 PM

Wow, the elusive quintuple post!

10/9/2012 11:05:45 PM

New question

I was in a wreck like a year ago, my rates went up since it was my fault.

Recently someone hit and ran my bumper, and I have a $50 deductible so I'm thinking about claiming it. Is it 100% true that comprehensive claims can't make your rates go up? I did have a ~$5k comprehensive claim about two years ago that didn't affect my rates, so I'm wondering if these things add up so something.

7/21/2014 10:46:16 PM

Quote :

" I have a $50 deductible "

wtf?!?!?

7/21/2014 11:04:29 PM

it's not uncalled for for a comprehensive deductible to be $50 - pretty sure though your bumper in this case will be covered under collision

7/21/2014 11:28:10 PM

^^ I pay a little more for it...it's not too bad.

^ Shit so that means my rates might go up if I claim?

7/21/2014 11:36:58 PM

Have you tried asking your insurance agent?

7/22/2014 6:10:05 AM

someone hitting your bumper is collision, not comprehensive

7/22/2014 8:38:04 AM

^^ What is this, the 50s? I don't have an "agent"

7/22/2014 9:15:01 AM

It will not affect your rates, it is a not at fault incident. It is also definitely collision.

7/22/2014 9:42:42 AM

Farm Bureau Sucks

7/23/2014 9:33:00 PM

Quote :

"^^ What is this, the 50s? I don't have an "agent""

Seems like an agent would have the answer to your question, though.

7/24/2014 7:45:09 AM

Quote :

"It will not affect your rates, it is a not at fault incident"

my rates increased after having both a comp claim and a not at fault collision claim in 2 years

7/24/2014 8:49:19 AM

Quote :

"It will not affect your rates, it is a not at fault incident. It is also definitely collision."

Any collision claim may impact your rate (depending on your state)

Generally, comprehensive claims don't impact your rate, but can (again, depending on your state); however, just having claims (of any type) can lead to higher rates in the future on renewed or new policies.

7/24/2014 8:55:55 AM

In North Carolina, a hit and run collision claim does not affect your rates. It is a Not at Fault accident.

7/24/2014 11:12:47 AM