Should I notify my car insurance?
Yes – if you’ve been in an accident, you do have to tell your insurer. You should send your insurer a letter telling them what’s happened. But make it crystal clear that this is for ‘information only’ and you don’t wish to make a claim.
What happens if I don’t tell my insurance?
If you don’t tell your insurer about the accident, or if you tell them too late, then they may cancel your policy and refuse to insure you in the future.
What should I not tell my insurance company?
Avoid using phrases like “it was my fault,” “I’m sorry,” or “I apologize.” Don’t apologize to your insurer, the other driver, or law enforcement. Even if you are simply being polite and not intentionally admitting fault, these types of words and phrases will be used against you.
Do you have to tell your insurance about?
You should inform your insurance company of any penalty points you have received. The details you provide to them form the basis for your insurance quote and subsequent insurance cover. If any of the details change or are incorrect and you do not inform your insurer, it may affect your cover.
Should I contact my insurance company if I am not at fault?
Yes. Regardless of fault, it is important to call your insurance company and report any accident that involved injuries or property damage. A common myth is that you do not need to contact your insurance company if you were not at fault.
Is it illegal to not tell your insurance about an accident?
No. An insurance company will not give you any information about the insured driver or owner of the car. … If your car was damaged in a car accident and you believe that the other party was at-fault, you should ask the other party to provide you with details of the claim number for their insurer.
Is it illegal to lie on car insurance?
One of the worst consequences of failing to be honest with your car insurance company is criminal penalties such as jail or fines. This is because dishonesty with your insurance company is a form of insurance fraud.
Can you lie about job on car insurance?
Lying about your job title could void your car insurance
If the job title you choose when buying a car policy doesn’t match what you actually do, your insurance might not be valid. It could also mean your policy gets “voided”. And this might make it harder (or more expensive) to get insurance in future.
What happens if you get caught lying to insurance?
You Can Face Criminal Charges
Filing a false insurance claim can lead to substantial fines, jail time and/or a permanent criminal record, which can make it difficult to find work or get insurance in the future. Insurance fraud can cost people upwards of $15,000 and up to 5 years in jail for a misdemeanor.
How do you explain a car accident to insurance?
What Information should I Give when Describing my Car Accident? Stick to providing only the facts as you remember them and do not speculate on anything, especially what the other driver was doing at the time of the collision. Never admit fault, even if you suspect you contributed to or caused the accident.
Do insurance companies talk to each other?
Insurance companies don’t contact one another to discuss an individual’s motor vehicle records and insurance claims history in order to determine their rates for coverage. … Rather, virtually every insurance company “subscribes” to a service and purchase reports one at a time for underwriting and pricing purposes.