Can I still report both accidents to my auto insurance or only the one I file a police report for?
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Can I still report both accidents to my auto insurance or only the one I file a police report for?
I was in a car accident about a month ago. However it was a hit and run. The
person hit me on the passenger rear side and and never stopped. I didn’t file
a police report or file a claim because I am on my parents insurance and didn’t
want it to go up. I figured that I would just try and saw money and pay for it
out of pocket. Now, I was just in another accident with my 10 year old son 2 days
ago where a van hit me on the driver side door . This time I called the police
because my parents were upset that I didn’t report if last time and the driver
actually stopped so I was able to get a police report. I want to file a claim
for both but not sure if I can?
Asked on October 30, 2017 under Accident Law, Florida
Answers:
S.L,. Member, California Bar / FreeAdvice Contributing Attorney
Answered 6 years ago | Contributor
You can file separate claims for the two accidents.
If your parents have uninsured motorist coverage, the hit and run accident claim is filed with their insurance company.
The second accident claim is filed with the at-fault party's insurance carrier.
Insurance premiums increase for various reasons or no reason. Since you were not at fault, the accidents should not be an excuse to increase the premium
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