Quote:
Originally Posted by matt fe2o3
I thought the DMV thing was 750 in property damage or more, apparently it's 1,000. The issue is not when both parties don't turn them (SR1's) in, the issue is when one party does notify DMV and one does not (both parties are supposed to). Then DMV sends out a nasty gram to the other driver and suspends licenses, etc. It's an easy fix - but can be a pain as insurance companies check driving records constantly and then there is more explaining to do or prove up on fault, or a non-renewal due to a license suspension due to a form not being filed. Not preaching doom and gloom - but it does happen and many, many years ago happened to me on a not at fault accident.
https://www.dmv.ca.gov/portal/dmv/detail/forms/sr/sr1
I have Safeco on my cars and I don't know if I am required to report to them in situations where I was not at fault and using the other folks insurance for repairs.
I have Progressive on my motorcycle. Progressive demands to know. A dealer dropped my bike (first service at 600 miles) off a service stand about 8 years ago - I had to bring Progressive in as there was issue with the shop's insurance. Progressive was good but they pointed out I HAD to let them know of any damage irrespective of fault and that was part of my policy language.
In California non fault accident claims don't increase your rates. Nor do comprehensive events. However there is a letter they send you finding a % at fault or 100% not at fault. Therefore if you were found (by the insurance company's own review) to be say 5% at fault - they can use that for premium increases.
That's my understanding anyway. |
Well, I'm new to California so I didn't know the SR1 was a thing. The police wasn't called to the scene of the accident. Enterprise filed their own internal paperwork. They didn't want the police involved and I doubt they even filed the SR1 since there was superficial damage to their vehicle. I called the cops later and they didn't file anything either, saying that they wouldn't have done any more than facilitate an exchange of insurance information. I wonder if there's a way to check if anything was filed with the DMV.