 A tree on the boulevard just cracked in half and landed on my car parked in front of my home.? |
No big storm,tornado or lightning. just some wind and a little rain drizzle. The tree was not dead to our knowledge.
luckily nobody outside was hurt.
My question is- is the city any way ... |
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 Am I legally covered if my employer withholds money but doesn't pay insurance co? |
| I thought I signed up for the family dental plan at work 4 months ago. After my husband's dental claim was denied, I was told that I checked the wrong box (employee/child box) on my application. ... |
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 Why do Some Insurance Companies rip you off on your claims? |
Additional Details
My home was destroyed in Aug 2005 and we lost 35 years possessions including a clock collection of some 550 clocks.We followed all the rules never claimed for ... |
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 Will my auto insurance rate rise if someone on my policy gets in an accident? |
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|
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| I left 2 shopping bags in the parking garage..? |
and when I came back to get them a few minutes later they were taken.
What can I do? Does insurance cover my loss/theft?... |
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| So the driver was drunk totaled my car...has no insurance.. I still own 1700 on it... could I go after the guy in small claims to pay my loan off since I dont have the car any longer.. its a mustang ... |
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 Is the home insurance industry the biggest scam in the united states? |
| Upon viewing Spike Lee's documenatry on Hurricane Katrina, I was dismayed on how the insurance industry failed to live to their end of the bargain for the people who lost their homes. As a ... |
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| I hit a deer recently. The car damage was $15,000. The car is only valued at $18,000. Can I push the company to just write me a check, or do I have to accept the repairs?... |
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jggb | Is it better to report to your ins. that an accident is a "hit and run" or admit you hit a stationary object? |
Will one effect your rates more than the other? |
 |
 
mbrcatz
|
Well, you need to file a police report for a hit and run. And, by looking at the damage to your car, it's likely an adjuster will be able to tell if you hit something, or someone else hit you. Car on car damage is unique.
From a claim point of view, the damage is going to go under your collision in any case, so you're going to pay your deductible anyway.
I would NOT advise filing a false police report, as if you do that, and claim "hit and run" and the adjuster see clear evidence that you hit a stationary object (remember, these guys see hundreds of accidents every month, they can TELL the difference), they can deny your claim as fraudulent, and press charges against you if they want. As could the police, for filing a false police report. |
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Elana
 |
Yeah, if you're caught lying to the insurance company, they'll
bring you up on fraud.
Not only is it illegal, you'll have a hell of a time ever getting insurance
again. |
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bostonianinmo
|
Even a student accident investigator in his first month of class can probably tell the difference between a collision between two vehicles and between a vehicle and a fixed object.
Therefore, you file the claim as it happened.
Hint: To collect under a hit-and-run claim, a formal police report has to be filed. Filing a false police report is a crime as is filing a fraudulent insurance claim. One incicent = two strikes.
One more item: Once you've been convicted of insurance fraud, you'll never get insurance again for 10 years or more. And many states won't even toss you to the Assigned Risk Pool of you're denied coverage for insurance fraud so you'll have to post a cash bond in order to register and operate a motor vehicle. |
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russrimm
 |
Depends on if you want to go to jail or not. |
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bob shark
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Be Honest, or you will be sorry. |
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becatfish
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the truth usually works.I've found out through doing it the other way.It just gets too complicated.Good luck! |
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Maria
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Definitely don't say you had a hit and run. That is a serious offense. |
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jennfarmer100904
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As far as rates, a "hit and run" is considered a "not at fault" accident, while contact with a stationary object is an "at fault" accident, which can definitely affect your rates.
However, please keep in mind you are considering insurance fraud, which is punishable by time in jail, fines, and a cancellation of your policy. Claims adjusters DO investigate these types of losses for this very reason, so there is a good chance you will get caught. |
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JK 79
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Depends on how you feel about getting done for insurance fraud if caught, and if you do get caught and it goes on your record it doesn't state how minor a 'lie' it was it just states you were done for fraud. Either way whether you say it was a hit and run or admit you hit a stationary object, your premiums/rates are still going to go up, you will be found at fault for both, because even if you say it was a hit and run you still have no other 'driver' for the insurance company to chase for money so it is up to you to cough up. Get a quote to fix the damage and decide from there whether to fix it yourself or claim through insurance and cop the rate rise... |
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