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Can I file a car insurance claim without a police report?
This report helps you get the claim in case of a settlement. Without an FIR, no insurance company will entertain your claim and without informing a cop, no FIR will be issued. Therefore, you must obtain your FIR copy at the earliest.
Can we claim insurance for car dents?
In a nutshell, small dents/scratches on your car’s surface does not require a car insurance claim. In fact, it is best to refrain from raising a claim in such a scenario, as you may otherwise lose a lot of money.
What happens if you are in a car accident without insurance?
If you’re at fault If you were the at-fault driver in the accident and you don’t have insurance, you’ll have to pay out of pocket for any damage or injuries you caused — even though you don’t have coverage, the other driver has the right to recover damages from you, meaning they can sue.
What is a no-fault insurance state?
There are 12 states that are called no-fault insurance states, where drivers must get compensation for damage and injuries from their own insurance company, no matter who was at fault in a car accident. If you were driving uninsured and caused an accident in one of those 12 states, the other driver will be paid out from their own insurance.
What happens in a no-fault car accident?
In a no-fault state, the other driver’s insurance would typically kick in to cover their expenses. While no-fault laws put restrictions on when drivers can file lawsuits, you still aren’t completely risk-free.
Is Puerto Rico a no-fault state for car accidents?
No-fault car insurance states Twelve states, along with Puerto Rico, currently follow the no-fault car insurance system. This means that in the event of an accident, both drivers are expected to seek damages from their respective car insurance policies. This applies even if you’re at fault for the accident.