It seems like the first response to an action that you must do once you have been involved in an accident is to call up your insurance company. If it is even more serious, then you have no reason not to do so because when people get involved in an accident that might involve bruising their car, then they say to their family and friends, this isn’t the right thing to do call the insurance company for.
Getting your car fixed after an accident without insurance is a question that is flooding the internet today without answers.
It is, however, not your business or your problem what type of damage your insurance company might be interested in or not. Even though that depends on your point of view, about a million cases of car accidents are being recorded every year.
About seventy percent of these car accident cases are categorized under property damage and what this means is that there weren’t any fatalities or injuries. These are the type of accidents that happens in driveways, streets, parking lots and the likes.
However, these accidents get reported to the police. Still, it doesn’t get reported to the police regarding a fender bender accident, nor are they reported to the drivers involved insurance company.
It is considered okay and not unethical, but what do you do if you find yourself in a car accident where there is no damage. In this case, the best line of action to take instead of going ahead to file a claim is to work out an agreement with the other driver involved and reach for a resolve.
How To Get Your Car Fixed After An Accident Without Insurance
This reason for working it out among themselves to reach an agreement is simply because they do not want a minor accident to hurt the insurance rates of the at-fault driver over the next few years. Even though not informing the insurance company has its own pitfalls, it is just the best way of cutting off expensive nuisance if it is done right then.
Even though this is one reason why no driver would want to report a fender bender accident, there are other reasons why most drivers also prefer to keep their mouth shut.
Most drivers opt to keep their mouth shut so they can avoid having an increase in their premiums, and people always ask what will a claim do to your insurance rates; well, filing a claim means that your insurance rate would jump even though the jump rate is dependent on the state and the insurer as well.
Insurance companies would not even bother with increasing your premium rates, but this doesn’t apply to all insurance companies because some would actually increase your premium rates.
The fact remains that a fender bender accident involves two people, so before you decide not to inform the insurance company, then both drivers have to get on the same page.
If any of the drivers choose to get his insurance company involved, you would also likely notify the other driver’s insurance company. At this point, it is better off replying to the driver with “Okay, Let’s Go Ahead And Inform The Insurance Company Ourselves”.
It is okay for you to suggest not reporting to both insurance companies, but you should allow him if the other driver insists. In the case of a fender bender accident, you should know there is nothing wrong with not informing your insurance company, and keeping your mouth shut doesn’t mean you are wrong either.
Half the battle convinces the other driver not to report the accident while the other half battle is getting the car fixed. If the estimate to repair the car cost too high, then you might consider reporting the case.
However, it would help if you also were reminded that working this out on your own isn’t wrong or illegal. Still, You should applaud the idea of trying to get your car fixed after a fender bender accident without involving the insurance company.
Reaching an agreement can be wild, but the innocent one in the accident should expect the other driver to make use of a rental car, selecting your own preferred body repair shop, and also use standard OEM parts during repairs.