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Question
My brother recently had a MINOR accident claim on his insurance (slid on icy roads into a Mercedes). So, he was at fault, and the total payout by the insurance company was around $1500. Now, his rates have doubled. He asked me if he had to claim this accident with a new insurer - there was no police report, just the repairs... does he have to claim this incident?
Hi Amanda,
Yes he needs to report the claim. The insurance company will report the claim to an inter-company data base that all insurance companies use to check for prior claims when you apply for insurance. So they are going to find out anyway. It's always best to be honest.
I hope this helps
Richard Hixenbaugh
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Answers by Expert:
Richard Hixenbaugh
Expertise
Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.
Experience
I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.
Organizations
Society of Certified Auto Appraisers
Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.
Past/Present Clients
My company has done work for consumers nationwide.
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