If you rear ended someone you are the responsible party for the person you hit regardless of whether you were ticketed of not. They have every right to come after you. The best thing you can do is try to negotiate with their insurance company to work out the best deal possible with them.

Will an insurance company take you back after dropping you?

Yes, you will likely be able to find coverage again if your carrier dropped your policy. However, you may not want to hide the fact that you were dropped from your new carrier. Misrepresenting an insurance application can lead to having your policy canceled all over again.

When is an insurance company responsible for handling a claim?

When an insurance company is responsible for handling a claim filed against its insured, the insurance company usually pays out both legal fees and the cost of damages that are either awarded by a jury or agreed upon in a settlement.

Can you collect excess damages from an insurance company?

If there are $100,000 in damages, the insurance company isn’t going to pay the excess $50,000. This money, if awarded by a judge or jury, will have to come from somewhere else. Can You Collect Excess Damages?

What happens if your insurance company cancels your policy?

Once an insurance company notifies you they are going to cancel you, you have very limited time to get things back on track. Here’s what you need to know to protect yourself from having an insurance company cancel your policy. Insurance companies are businesses, and very often people think that insurance will always be there.

What happens to my insurance if I am negligent?

Does Insurance Cover Negligence? Depending on the level of negligence and the type of damage, your insurance policy might still pay a claim if it occurs because of your negligence. In cases of liability, the insurance company will typically pay for your legal defense, but it may not pay for subsequent damages if you lose.