Got hit in my dart

67Dart440GT said

Also, involing your insurance company is the last thing I would suggest. They don't need to know anything about the claim unless you ABSOLUTELY need them to handle something. They do work for you.... but at a price and they can change your premium rates for being involved in a collision even if liability is placed solely on the other party.

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I disagree because some states actually have laws that prevent that and a lot of reputable insurance companies now a days do as well. I’ve been hit twice over the last 5 years, 100 percent the other drivers’ fault and my rates have actually dropped on each renewal. I’ve let USAA fight each and at the end of it, they’ve done very well and very fast for me.

Plus, in some states, it’s actually a legal requirement to notify your insurance of such an incident, even if you don’t file a claim or are not at fault. Here in Indiana, the BMV will send you a certified letter if they have not received word from your insurance provider within so many days of an accident that you have notified the insurance company. Failure to do so results in suspension of registration and license