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fender bender
this morning I stopped behind a car at a red light. I looked away and must have taken my foot off the break and bumped into him. I have a half square shaped dent, it's not anything bad. I had hit the square attachment to his suv that is used to haul things. (I guess that's it's use) however. police were called and info was exchanged, the usual. the cop noted that there was NO VISIBLE DAMAGE to his car but I didn't have a minor dent. my questions is will my insurance rates rise? the officer said that if the man decides to have his car looked at there is a small fee my insurance would pay. will that raise my rates? I'm 17. so I'm worried.
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Yeah, your rate will likely go up, though considering how minor the damage was I don't think it would be anything extreme.
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that is hard to say. your insurance was involved so yes your rates will go up but i think it wont go up too high and if it does change diffrent insurance companys to see if it doesint folow you. im 17 and i fliped my car twice downtown cause i ran a red light and someone t-boned me. my point is things like this happen all the time it was just an accedent. no reason to worrie it your rates rise it probubly wont be that much.
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A summons is a ticket, it is the legal definition of a ticket. Regardless of how fast you were going the officer can issue one if felt it is proper to do so after all you are at fault.
As for your feeling I did not explan enough:I'm sorry but I'm not sure what else I could have said. It boils down to whether or not the person you hit reports the accident to his insurance company. If he does then you must as well. Again depending how much they may pay out will determine if your rates will go up.
Again if this is you parents car or the car is registered or insured under your parents policy talk with them. I would talk with them in any case as they are probably more familiar with insurance rules wher you live and the company you are insured with.
This is really going to depend on several things.
First: did the Officer issue you a summons. If so your insurance company will eventually be made aware of this unless you are able to get a judge to dismiss the summons.
Second: One or both or both of you would have to report the accident to the insurance Company. Since there is no damage to his car there is no reason for him to report the accident to his insurance company unless later to day he starts to have neck or back pain, most unlikely from a low speed impact.
The damage to your car may be less than your deductible or right around the deductible amount. It may not be worth reporting to the insurance company to get fixed.
Third: If this is your parents car you need to let mom or dad decide whether or not to report it.
The insurance company will only raise your rate if they suffer a loss. Meaning they have to pay out something to the other drive. IF they don;t suffer a loss they might forgive you this one accident. It really depends on the insurance company.
When my son was your age our agent told me that our carrier would for give his first ticket and depending on their cost of an accident; all or some of an increase,it would depend on who was at fault.
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