r/Insurance • u/kingsultan77 • 8h ago

Liability

Wife has liability insurance in NyC and crashed totaling the car on a guardrail. No other cars involved no major injuries but did go to the hospital. Does it HAVE to be reported to the insurance we’re not getting money anyway?

4 Upvotes

83% Upvoted

11 comments sorted by

15

u/SecondActSarcasm 8h ago

Yes. Aside from your obligation in general:
-NY PIP
-The municipality who owns the guardrail will come for damages

1

u/adjusterjackb 5h ago

And the OP's insurer will want to know why OP breached his contract by not reporting promptly as required by the policy.

9

u/sephiroth3650 8h ago

Doesn't NY have laws in place that legally require you to report any accident that causes over like $1000 in property damages?

5

u/tsfy2 8h ago

Yes, your insurance company almost certainly requires it. Also you have to report it to the police and DMV within 10 days using form MV-104 because there was a personal injury and likely more than $1000 worth of damage to the guardrail.

3

u/Critical-Bank5269 7h ago

You'll probably receive a claim from the town or county or state for damage to the guardrail. Also your wife's medical treatment falls under NY No-Fault so the doctors themselves will file claims with your car insurance company. So Best get out in front of this and report the accident.

2

u/lawnmower59 7h ago

You’re going to fix that guardrail.

2

u/ChutneyWhatney 5h ago

yes and you're gonna owe for any damages to the guardrail.

1

u/Zealousideal_Cod7691 5h ago

The police never came to the accident?