My current car be hit by another driver two weeks ago. It's not my fault. But I am planning to win a new motor and new motor insurance policy from other company. Then I will sell my current vehicle. I assume that the agent will ask me whether I had any luck within 3 years when I am buying a alien insurance policy. I have to convey them that accident.
Even the disaster is not my fault, will the unmarked car insurance policy for my different car cost more? Will I lose my accurate driver status because of that?
Any comment and suggestion are welcome. Thanks!
Answers: If you are going to a different insurance company. Your new Insurance company will see the history of the accident on an ISO(also have other names, CLUE, ect) report but it will not show whose blemish it is. If you are using a local agent they will most likely be helping you catch the best rate. Take then a copy of the police report of other proof that you are not at responsibility and the companies underwriting department will rate this acordingly.
If you are going to use a company in need an agent(internet application or other), you will have to be your own fan in some cases. Some companies will assume that the misfortune was your imperfection unless you show otherwise(after they have billed you). Offer to distribute your proof that it was the other drivers blame.
Overall no one here will know how to say for sure. Your specific state will enjoy regulations that are required to be followed by all insurance companies. Then your insurance company will comply beside these guidlines but may have more specific practices that we will not know.
Example: Many states enjoy laws that you can't be penalize for one accident to be precise not your fault, but do not say-so anything about a second misfortune that is not your guiltiness. If you get into a second quirk, it is up to your insurance company to increase your premuims if they feel you are an increased risk statisticly(justified or not)
If you are using a local agent, they can suggest for you with their underwriter, only just have proof that you be not at fault and that should lend a hand
** added **
to address the post of roady42
if your last calamity was reported to any insurace company, it will reported and show on an ISO report(again it merely shows that an accident happen,with your first name, vin of veh, ect)
the police report has nought to do with an ISO report
omition is considered insurance fraud and grounds for cancelation of your tentative insurance policy. Your new insurance company will know something like the accident from the ISO report(reported by the insurance company paying your claim and they are allowed to do so by law). They may quote you base on your answers but they will have the right to progress the rates or cancel your policy since you lied to them.
physical great advise roady42, method to get him sent to put in prison!
Everytime you get surrounded by an accident and report it to insurance companies your rates be in motion up
Even the disaster is not my fault, will the unmarked car insurance policy for my different car cost more? Will I lose my accurate driver status because of that?
Any comment and suggestion are welcome. Thanks!
I am self followed and I find...
Answers: If you are going to a different insurance company. Your new Insurance company will see the history of the accident on an ISO(also have other names, CLUE, ect) report but it will not show whose blemish it is. If you are using a local agent they will most likely be helping you catch the best rate. Take then a copy of the police report of other proof that you are not at responsibility and the companies underwriting department will rate this acordingly.
If you are going to use a company in need an agent(internet application or other), you will have to be your own fan in some cases. Some companies will assume that the misfortune was your imperfection unless you show otherwise(after they have billed you). Offer to distribute your proof that it was the other drivers blame.
Overall no one here will know how to say for sure. Your specific state will enjoy regulations that are required to be followed by all insurance companies. Then your insurance company will comply beside these guidlines but may have more specific practices that we will not know.
Example: Many states enjoy laws that you can't be penalize for one accident to be precise not your fault, but do not say-so anything about a second misfortune that is not your guiltiness. If you get into a second quirk, it is up to your insurance company to increase your premuims if they feel you are an increased risk statisticly(justified or not)
If you are using a local agent, they can suggest for you with their underwriter, only just have proof that you be not at fault and that should lend a hand
** added **
to address the post of roady42
if your last calamity was reported to any insurace company, it will reported and show on an ISO report(again it merely shows that an accident happen,with your first name, vin of veh, ect)
the police report has nought to do with an ISO report
omition is considered insurance fraud and grounds for cancelation of your tentative insurance policy. Your new insurance company will know something like the accident from the ISO report(reported by the insurance company paying your claim and they are allowed to do so by law). They may quote you base on your answers but they will have the right to progress the rates or cancel your policy since you lied to them.
physical great advise roady42, method to get him sent to put in prison!
Car insurance put somebody through the mill...
Everytime you get surrounded by an accident and report it to insurance companies your rates be in motion up
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