Here is the problem. I don't want his premiums raised. I guess my whole question would be. How long can I wait for the injuries to heal before his insurance claim officer can say "Sorry, you waited too long
to contact us and you'll just have to pay for your own medical care".
Answer by jlf
How are you paying for your medical bills? If you're using your health insurance, your insurer will likely subrogate (attempt to recover costs from him and his insurer) whether you want them to or not.
Answer by quizzard123
?? This is bizarre, frankly. I don't care who it is, you have to look out for yourself first.
You report the incident IMMEDIATELY. That doesn't mean you have to file a claim for damages, but you report it happened, or you will be denied any future claim. Even a few days raises questions.
Answer by intheleast
I appreciate your concern for the other party. However, running over someone involves the police! You can be arrested for running over someone!
You need to report it to your insurance company even if you don't plan to file a claim. Your insurance agent can best advise you what to do about reporting it to the authorities.
Answer by car253
How long you can wait depends on what state your in.
And, you should put in a claim in case your injuries get worse. Why do you care if his premiums go up? Is this a friend or relative? You need to protect yourself first. Call his insurance company and put in the claim even if you decide not to collect any money.
Answer by David
Most companies do not raise rates except for a loss greater than $ 500.
Call NOW. If it is no big deal, then they will not raise his rates. However, if you do not get documentation immediately, they can claim that you were actually hurt by something else.
Think of it like this -- can you prove beyond a reasonable doubt that your injuries were caused by his car? You need to make sure that your answer to this question is yes.
Answer by mbrcatz
Whatever the statute of limitations is, in your state. It could be anywhere from 18 months to 7 years.
HOWEVER.
If you don't get treated right away for the injury - if you don't confirm it with a doctor or hospital - you're going to have a darned hard time proving that your doctor visit, four months after the hospital, was because you had injuries from an accident way back when.
Also, they don't pay for your medical care up front! They will reimburse you later. Maybe. If there's coverage, depending on what state you are in, and several other things.
Add your own answer in the comments!
Orignal From: A guy ran over me. How can I avoid calling his insurance while I see if my injuries heal on their own?
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