will the other insurance company pay for the damage?
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Aug 12, 2012
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
Insurance Question from APO, AE
Asked on 08/12/2012
will the other insurance company pay for the damage? A car backed into my car in a parking lot. I was parked and still in the car. The accident caused a dent in my driver's side bumper. I already had a previous dent on the passenger side from bumping into a short wall. I had not reported my accident to my insurance company because I went on vacation for 3 weeks. If the only way to fix my bumper is to replace the whole thing, does it matter that I had already dented it on the other side?
Answer given on August 12, 2012
If you were struck by another driver and had existing damage to the same area of the car, you need to be honest with the other insurance company and advise them of the pre existing damage. It may not have an effect on the settlement of the claim,, but the fact that the bumper had already been struck could cause the bumper to need to be replaced instead of repaired.The adjuster for the other insurance company should be able to determine that the bumper was already damaged, since the existing damage was on the other side of the car. You can wait to tell them of the damage to see if they ask. If you have to take the car to a repair facility to get an estimate that place should be able to determine that the bumper was already damaged. If not, you should be forthright with the information and let them determine if it affects the claim.
IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.