Question: Should I call my insurance if it wasnt my 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. In order to use any of these, you are required to notify your insurance company.

Does your insurance go up if the accident wasnt your fault?

Generally, a no-fault accident wont cause your car insurance rates to rise. This is because the at-fault partys insurance provider will be responsible for your medical expenses and vehicle repairs. If your insurer doesnt need to fork out money, your premiums wont go up.

What happens if someone hits me and I dont have collision?

If the driver who hit you wasnt insured and doesnt pay you for damages, youll have to pursue court action to collect payment. If the driver who hit you didnt have enough coverage to pay for damages to your vehicle, youll also have to sue to obtain the rest of the funds.

Can you sue someone for not having car insurance?

Not possible. You can only claim against the driver themselves. If the driver is insured, they can choose to make a claim with their insurer to cover your compensation.

Why is my collision insurance so high?

Common causes of overly expensive insurance rates include your age, driving record, credit history, coverage options, what car you drive and where you live. Anything that insurers can link to an increased likelihood that you will be in an accident and file a claim will result in higher car insurance premiums.

Should you have collision insurance on a 10 year old car?

Penny Gusner, consumer and data analyst for, says you should buy comprehensive and collision coverage under the following circumstances: If your car is less than 10 years old. If your car is more than 10 years old and worth $3,000 or more.

Do I have to pay my excess if someone hits me?

You wont have to pay your excess when someone else claims against you. If youve got third party only (TPO) insurance, you wont have to pay an excess either. Thats because your losses arent covered and, when someone claims against you, your insurer covers it.

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