Please Help the Z is hurt!

HandnPantz · 03-12-2012, 05:56 PM

Huh so my insurance agent should be doing the talking. I do have full coverage and I would claim it on my own insurance but my deductible is $500 and wouldn't claiming the accident cause my insurance to go up. I'm 21 and pay $300 already.

MattP725 · 03-12-2012, 06:55 PM

Quote:

Originally Posted by HandnPantz

Huh so my insurance agent should be doing the talking. I do have full coverage and I would claim it on my own insurance but my deductible is $500 and wouldn't claiming the accident cause my insurance to go up. I'm 21 and pay $300 already.

Well that depends on the company... some companies will raise rates or drop you even if the other company pays the claim. Really crappy stuff.

Your best bet has been mentioned... pay the deductible and file through your company... you will be surprised to see how fast Progressive will go after Farmers once you do... they don't want to pay claims if they don't have to. I did this recently just to get my car fixed quicker when I was rear-ended... the only downside is that it takes a few months to get your deductible back but it is better than dealing with an adjuster.

Nick911sc · 03-12-2012, 06:56 PM

If you go through your company and you aren't at fault then your policy won't go up. That's the point of subrogation. Your company will sue the other company to recover the money they had to pay out to you. So as long as you aren't at fault your policy shouldn't go up.

Now, the % of fault is a different story. Were there any other witnesses? I don't see how the other company could be just denying it 100% if the other driver was issued a ticket. Call up your agent and bring up these points. It might not end up being a 100% deal... But they should be paying something.

Granted I don't know how the laws differ in your state... But these are things that you should bring up to your agent.

gsxr750 · 03-12-2012, 07:51 PM

This is simple, Insurance companies will often try this and here is how they are dealt with.

1. File small claims court case, where the other driver lives, naming him and his insurance company as defendents in the case.
2. Get the highest estimate you can, you only need 1 for court evidence.
3. Put together evidence package , estimates, police reports, letters from all parties involved, medical report etc..
4. File small court claim yourself, no lawyer needed, just go to a court clerks office where the other driver lives and the court clerk will tell you exactly what to do usually $15-$30 cost.
5. If you get the car repaired before court date you will need to submit repair shops bill, along with any other damages, rental car, time off work etc.

When you win the case you submit a copy of the judgement to drivers insurance company and they are forced to pay up if he has insurance thru them and any remainder will be paid by the driver in the form of a judgement.
In your case his company will be forced to pay up the full amount.

Two - other avenues are to submit the claim against your own company, this will go against you though for your record.

Other is to file a complaint against the drivers insurance company with your states insurance commision and also with your states attorney generals office.

sonic370 · 03-12-2012, 08:17 PM

from my experience you should never even have to talk to or inform you agent you were even in a wreck.. the other drivers carrier should be saying things to you like go pick out a shop and get your car fixed and get a rental while your at it. the guys insurance company is full of it...............

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03-12-2012, 05:56 PM	#1 (permalink)
HandnPantz Base Member Join Date: Dec 2011 Location: Riverton Posts: 73 Drives: Nissan 370z BLK M6 Rep Power: 15	Huh so my insurance agent should be doing the talking. I do have full coverage and I would claim it on my own insurance but my deductible is $500 and wouldn't claiming the accident cause my insurance to go up. I'm 21 and pay $300 already.

03-12-2012, 06:56 PM	#3 (permalink)
Nick911sc A True Z Fanatic Join Date: Feb 2009 Location: Long Island, New York Posts: 1,698 Drives: 2010 Nissan GT-R Rep Power: 22	If you go through your company and you aren't at fault then your policy won't go up. That's the point of subrogation. Your company will sue the other company to recover the money they had to pay out to you. So as long as you aren't at fault your policy shouldn't go up. Now, the % of fault is a different story. Were there any other witnesses? I don't see how the other company could be just denying it 100% if the other driver was issued a ticket. Call up your agent and bring up these points. It might not end up being a 100% deal... But they should be paying something. Granted I don't know how the laws differ in your state... But these are things that you should bring up to your agent.

03-12-2012, 07:51 PM	#4 (permalink)
gsxr750 Enthusiast Member Join Date: Jan 2012 Location: west Posts: 443 Drives: 2012 370z man. sport Rep Power: 15	This is simple, Insurance companies will often try this and here is how they are dealt with. 1. File small claims court case, where the other driver lives, naming him and his insurance company as defendents in the case. 2. Get the highest estimate you can, you only need 1 for court evidence. 3. Put together evidence package , estimates, police reports, letters from all parties involved, medical report etc.. 4. File small court claim yourself, no lawyer needed, just go to a court clerks office where the other driver lives and the court clerk will tell you exactly what to do usually $15-$30 cost. 5. If you get the car repaired before court date you will need to submit repair shops bill, along with any other damages, rental car, time off work etc. When you win the case you submit a copy of the judgement to drivers insurance company and they are forced to pay up if he has insurance thru them and any remainder will be paid by the driver in the form of a judgement. In your case his company will be forced to pay up the full amount. Two - other avenues are to submit the claim against your own company, this will go against you though for your record. Other is to file a complaint against the drivers insurance company with your states insurance commision and also with your states attorney generals office.

03-12-2012, 08:17 PM	#5 (permalink)
sonic370 A True Z Fanatic Join Date: May 2010 Location: Orange Texas Posts: 1,574 Drives: 09 370Z Sports PGK Rep Power: 20	from my experience you should never even have to talk to or inform you agent you were even in a wreck.. the other drivers carrier should be saying things to you like go pick out a shop and get your car fixed and get a rental while your at it. the guys insurance company is full of it...............