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Auto Insurance Question from Bakerview, Washington

Asked on 5/4/2016.   This question has received 576 views.
Does the person who hit my vehicle have to pay if shes at fault even though there was no police intervention or if i don't have insurance?   I was in Canada last Friday and while i was on highway a woman hit my vehicle from behind. In canada i dont have phone servicve. but the woman didnt call the police either. I did not have insurance at the scene but the person who hit me was completelly at fault. Also i did get a picture of her insurance and drivers license and carplates. however i havent heard back from her i gave her my information and a picture of my id aswell. not my insurance because i dont have one. should i call the insurer or wait for them to contact

Answer given on August 30, 2016


If you have been hit in an accident, and the other driver is not responding to your calls, you should go ahead and contact her insurance company to report the claim. They may not proceed until they hear from their driver, but it will get them to be in touch with her to get her version of the story. Since you didn't have insurance on your car, it may be difficult to settle. Canada may have other rules about driving without insurance. However, if they let you into the country without proof of insurance, it may not have been an issue to them. You can continue to follow up with the insurance company, but, again, they will not proceed with the claim until they talk to their insured. You may want to continue calling her to make sure that she does actually report the claim to her company. Until she does you will have to wait for any settlement from her insurance company.

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