Car Insurance Question: Rear-Ended Today?

it depends on what state you live in. in the state of florida it's against the law not to report a crash at the time it occurs, but iif there is no injuries or no damage then it's not a crash. call your local law enforcement agency and see what your recourse is or contact the at fault driver's insurance company and most of the time unless their insured has reported the incident they want file your claim. so that's why it is so important to report it to law enforcement when it occurs and they'll explain all your opptions

How lucky can you get? If this guy does indeed have a policy with State Farm there are several ways this can be handled. First -- contact State Farm and tell them the story. Then you will most likely have the option of taking your car to one of their Service First/Select Service body shops, getting a few estimates and being paid the repair amount of the lowest or one of their appraisers will come to your home or work, inspect your car and write a repair estimate on the spot. They will forward a check for the amount of repairs to you in a few days. If any damage is missed in the initial inspection they will reinspect it at the shop or, even better, if your car is at one of their direct repair shops they will handle all the paperwork for you. You need only to drop off the car and pick it up when the repairs are complete.

PS -- they will also pay for a rental car (if you are over 21) while your car is in the shop.

In the vast majority of the cases the insurance follows the vehicle. So if the son was driving dads car with permission it should be covered under the dad's policy. (There are some policy exclusions that may bar coverage under the dad's policy but it's not likely)

Since I assume you do not have the dad's insurance company info you should call the son and get the dad's insurance info. He if can't/won't provide that info then report it to the son's company and let them know that he was driving his dad; struck. The sons company will contact the son and dad to see who dad is insured with. Then you can follow up with the son's company to get the info on the dad's company.

Assuming your damages are more than your deductible it would be less hassle for you to report the claim to your company and let them straighten out if son's or dad's co must pay the damages. The bad thing about going through your own company is you have to pay your deductible and then wait to get it back.

Good Luck

Call his insurance co.,make a report and get a claim #.They will investigate and authorize repairs,probably within 2 or 3 days

I would take your vehicle in and have it inspected regarless of what you think is minor damage, you never know what else may have been damaged that you can't see.

Call your agent and ask, they can direct you as to the steps you would take.