Auto insurance question

[minendo]

Been getting quotes online and all of them ask about all violations including Not At Fault accidents. Will a not at fault accident increase my rates?

 

[DougK62]

It did for me when I was young. State Farm.

 

[minendo]

Anyone else?

 

Do they mean accidents that were reported to the police?

I had an accident where only my car and a concrete barrier was involved, would they consider that a not at fault accident?

 

[minendo]

Additionally, what is the true definition of a not-at-fault accident? Would the definition include an accident in which another driver hit me?

 

[Gibson486]

It depends on the insurance company... some companies will increase yrou premium if anything happens, some just let it be.

 

[jemcam]

Originally posted by: SampSon
Do they mean accidents that were reported to the police?

I had an accident where only my car and a concrete barrier was involved, would they consider that a not at fault accident?

Only if the barrier was dropped onto your car. If the barrier was stationary and your car hit it, it is a collision loss no matter how you slice it.

 

[Gibson486]

Originally posted by: minendo
Additionally, what is the true definition of a not-at-fault accident? Would the definition include an accident in which another driver hit me?

not at fault means that the other driver(s) are 100% at fault w/ respect to you. in other words, the accident was not your fault.

 

[minendo]

Originally posted by: Gibson486

Originally posted by: minendo
Additionally, what is the true definition of a not-at-fault accident? Would the definition include an accident in which another driver hit me?

not at fault means that the other driver(s) are 100% at fault w/ respect to you. in other words, the accident was not your fault.

Ok. That's what I thought, but just wanted clarification.

 

Originally posted by: jemcam

Originally posted by: SampSon
Do they mean accidents that were reported to the police?

I had an accident where only my car and a concrete barrier was involved, would they consider that a not at fault accident?

Only if the barrier was dropped onto your car. If the barrier was stationary and your car hit it, it is a collision loss no matter how you slice it.

That doesnt answer my question.

 

[Gibson486]

Originally posted by: SampSon
Do they mean accidents that were reported to the police?

I had an accident where only my car and a concrete barrier was involved, would they consider that a not at fault accident?

If you hit the barrier, you are at fault.