Backed up into a car, gave them my Insueance and Id, what's gonna happen now? How much will my insurance go up?
LIKE OR DISLIKE:
You will be prosecuted
You should call your insurance company immediately and tell your versionof the mishap. A little bump should not increase your premium. However,your deductible will likely be more than the repair. Did you take pics? Did youget all their info?
Simply contact your insurer immediately to report the truthful detail of the accident. Your insurer will to all the rest. In all likelihood you will simply pay your set liability deductible and the matter will be closed. Don't fret about it, let your insurer do the job you pay them to do.
The insurance people will come to your house and rape you
You are required by your insurance company to report the accident to them typically. You also may be obligated by law to report it to the police if that hasn't happened depending upon the amount of damage and should check local laws about accident reporting.If it is only physical damage to the car(s), consider yourself lucky. People get injured with medical bills and worse, permanent physical problems or killing someone in an automobile accident. So far, as you describe, it is termed a fender bender. Insurance repairs of the other persons car at your fault is called liability insurance and is required. Damage to your car to be fixed in this case is called Collision coverage that is optional, but usually required if you have an auto loan. There is a deductible amount of money that you are responsible to pay. And, an accident is part of a driving record that does raise future insurance costs. In the USA there is at-fault and no-fault insurance. No-fault means each person's insurance company pays for the car damage to the covered car.The details behind it are then worked out between the insurance companies or was part of your insurance rate.If you provided your insurance company information, it is generally the next move for you to call your insurance company and discuss it because it is likely they will make a claim for repairs. The reporting law to the government needs to be checked if police were not involved already.It is unknown how your rate will be affected. My insurance policy includes "first accident forgiveness" as no rate increase for a first claim. It is almost always true that if you were backing up, you were fully at fault in this as that requires extra caution. Call your insurance company, and be thankful it wasn't worse and is only about money.
You need to call your insurance company and report it. They will call you if you don't, and it won't look favorably upon you for not reporting it.You tell them exactly what happened, and they go from there. They'll repair the damage to the other vehicle, and you can decide if you want them to repair the damage to yours. You'll have to pay your deductible if you do.As far as how much your rates will go up: That depends on a few factors. Your age, your driving history, the extent of the damage, etc. If you policy has accident forgiveness, your rates may not change at all. You really wont know for a few months.
No, you will not be charged with criminal charges. His insurance will contact your insurance and your insurance will contact you for a statement. Tell them it was an accident - you just misjudged the space and it will be resolved very quickly. Your insurance might go up - it depends on the severity of the accident. If the damages are minimal, your rate may not go up at all. If they have to pay out $5,000 or $10,000 on your behalf, then your insurance will go up - no doubt about that.
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