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Its other driver fault. Didnt put the brakes and as it rolled down it hit my driver side fender and a bit of the bumper. Broke one headlight and cracked a bit of the windshield. Other driver wasnt there. I waited til he got back and exchange info. Now...the question is would my insurance will raise up because of this even though its not my fault? Should I contact the insurance company of his without letting my insurance know about this so this way they dont raise the price? Could the insurance of his send me a check and repair anywhere I want? How exactly does it work? 
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Joined: Apr 2006
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This is why people have insurance. If it truly is his fault, then his insurance will pay. Thats the whole reason you swap info.
You will present an estimate to his insurance company. They will write you a check. You get your car fixed.
Theres no reason your insurance should need to know nor will your insurance rate rise.
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Joined: Dec 2001
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Hard-core CEG\'er
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depends on your state, where did this happen?
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You should have called the police and got a report. They assign fault on the spot if it should be assigned. That fault determines whose insurer will pay for damages automatically. You go to the other persons insurance with a plice report saying that their client was a fault and damaged your car, and they get your car fixed.
If you don't get a report you can get yourself into trouble because the insurance of the party at fault can and might try to deny the fact that their client damaged your car. It has happened to several family members of mine. This is why I always get a report, then they pay no questions asked. The insurance simply won't deny their client's responsibility if the police report says they are at fault.
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Originally posted by Contour1998:
... Should I contact the insurance company of his without letting my insurance know about this so this way they dont raise the price? Could the insurance of his send me a check and repair anywhere I want? How exactly does it work?
You must contact your insurance company to let them know. As it is not your fault, your rates will not be increased if you don't file the claim with your insurance. In addition, when you contact the other party's insurance, they will want your insurance information and they will contact your company to verify. And your insurance agent will also give you more advice in regards to whether you should contact the police now (as you did not do it earlier).
Sometimes, they (other insurance party) will write you a check on the spot after reviewing the damage and then you take it to a body repair shop that needs to get approval from them before they start work. In addition, anything over their initial estimate needs to be approved by the insurance ahead of time. And you are also entitled to a rental car (but not for the additional comprehensive insurance that rental cars always try to offer you) for the time that your car is in the body shop. Once again, they have to approve the rental company. They usually give you a number to call to get the rental.
"Always do the cheap and easy ones first."
1996 V6 ATX 96K miles
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At some times, the insurance will fight over whos fault it is, that is really why you should have the police report.
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When I went back to my car after the concert the truck had already struck my car. The driver wasnt there as of he forgotten to put his parking brakes. Therefore, a police officer in the campus of San Diego University had left a note on my windshield explaining the situation along with the truck license plate and his name. Thats my report and proof all I got. Yes, I shouldve gotten a full report but at the same time only few yards away from my vehicle someone got ran over! Yes, someone got RAN over. All authorities of the campus were more focused on the accident than my car. They told me to wait and so I waited and waited. Finally the truck driver showed up all shocked about what happened. He apologized and I called the police department again to let them know the truck driver showed up. They just said exchange info and contact your insurance company. So we did and went on our way. Now, I called the insurance company this afternoon and to my surprising everything went very well. They didnt needed a police report as I explained everything. I already got an appointment to see their body shop (Collision Center) on Wed to fix my vehicle asap. She was quite quick and nice about it. Wish me luck! 
Last edited by Contour1998; 05/14/06 05:28 AM.
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Joined: Jun 2001
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Yes you should have gotten a police report. I was in a minor fender bender almost two weeks ago. The damages weren't bad but I made the police come anyway. Unfortunately, I live in Michigan which is a no fault state. The most I could get out of her insurance was my deductible. My insurance had to pay for the rest. But my insurance won't go up cause it was clearly her fault and she even admited it was her fault. Luckily, my damages were only 493.00 but I did have to go the hospital cause my back was all sore. I have full medical on my car insurance so they picked that up to. No matter how minor an accident it is, I will always get a police report. This one saved my butt.
P.S. Sorry to hear about your accident.
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Joined: Jun 2005
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Originally posted by Contour1998:
.... Therefore, a police officer in the campus of San Diego University had left a note on my windshield explaining the situation along with the truck license plate and his name. Thats my report and proof all I got. ... He apologized and I called the police department again to let them know the truck driver showed up. They just said exchange info and contact your insurance company. So we did and went on our way. Now, I called the insurance company this afternoon and to my surprising everything went very well. They didnt needed a police report as I explained everything. I already got an appointment to see their body shop (Collision Center) on Wed to fix my vehicle asap. She was quite quick and nice about it. Wish me luck!
Yep, that is the "police documentation" there. And the other party's insurance knew who was wrong, which was why they were so quick to get it taken care of. Don't forget that you need to let your insurance company know about this.
"Always do the cheap and easy ones first."
1996 V6 ATX 96K miles
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Sometimes even though you were not at fault, you're rates could still go up. I believe ou are 20 percent at fault, you were in the driving on the road where the accident happened so it is partially your fault. Thats how the insurance company likes to look at it cause they're crooks.
If you get a police report there is more of a chance your insurance will go up because if a claim is filed by the other driver then your insurance company will check the police record and then they will see the police report. Thats just a glimpse of my experinces with the crooks I mean insurance companys. Good luck!
Champagne 1995 Ford Contour LX R.I.P. - 7/11/06
V6 2.5L 24v DOHC
Oversized System
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