Teen Auto Insurance Quote http://www.teenautoinsquote.com Speed up to reduce your auto insurance- Now. A thrill at no risk. Sun, 12 Feb 2012 14:30:21 +0000 en hourly 1 http://wordpress.org/?v=3.3.1 Teen Auto insurance:Hit car from back, what will police do? http://www.teenautoinsquote.com/1082/teen-auto-insurancehit-car-from-back-what-will-police-do/ http://www.teenautoinsquote.com/1082/teen-auto-insurancehit-car-from-back-what-will-police-do/#comments Sat, 20 Mar 2010 13:25:34 +0000 Kamlesh Desai http://www.teenautoinsquote.com/?p=1082 Greg Anatomy : 3 week ago I hit a car from the back on a private property. The police came and said that nothing goes on your record and it just goes to your insurance company. I am worried if anything happens to you or your parents the cop said a claim would be made? What does it mean?

Teen auto insurance and car inusrnace claims

Response : Greg, let me assure you that there would be no legal issues with the police department for you or your parents if your parents or you already have an insurance coverage on your vehicle. If you do not have an insurance coverage and you are living in a state where there is a requirement of a mandatory auto insurance coverage it would be an issue.

Now, assuming that your parents did have an auto insurnace coverage and they had you covered as a driver on the car insurance policy, the incident would be reported to your insurance company. Your insurance company will file this as a claim on your policy. As per the auto insurance this will the a claim of third party property damage, since you have hit a car from behind and damaged it.

The insurance company will take the following steps :
1) Ask the policy owner (your parents) for filling in a claim form, prviding the details of the accident.
2) Decide who was at fault – In most cases if two vehicles are moving than it is usually the vehicle which hits from the back which is at fault. However, the general insurance company would decide this based on each case.
3) The general insurnace company will pay for the damages to the vehicle.
4) Since this is a claim on your vehilce the auto insurance premium would be affected on the renewal and might be higher.

If you have acccident forgivness on your policy the first accident would be forgiven and the insurance will not be hiked.

To ensure that you get a cheaper car insurance policy it it best to kee a good driving record. The second measure for getting cheap car insurnace rates is to compare auto insurance quotes online.

Thanks
Kamlesh

Related Blogs

]]> http://www.teenautoinsquote.com/1082/teen-auto-insurancehit-car-from-back-what-will-police-do/feed/ 0