just bought the car and got rear ended..

b15 · 07-10-2013, 02:45 PM

Quote:

Originally Posted by JARblue

If your insurance charges you a deductible for an accident that is not your fault, you should dump them immediately. I ALWAYS work with my own insurance company because they have MY interests in mind since I am their customer. The other person's insurance won't give two $hits about you or any problems you have.

I have never paid my insurance deductible except for one time. I avoided a collision with a vehicle coming into my lane suddenly, but I wound up running my Sentra up on to a median curb by doing so. The guy drove off, and I even got the phone number of a witness who saw what happened. However, insurance wouldn't make a claim under my uninsured motorist clause even with the witness (so now I know to always let the guy hit me rather than hit something else myself). The accident wound up being over $1500 because I busted the oil pan and the radiator was damaged. I wasn't interested in paying the repair fee, so I claimed it on my insurance and paid my $500 deductible. They did not raise my rates either.

Just wanted to clear some things up...

If you file a claim against your own insurance, you do have to pay your collision deductible (it's in the policy wording). It can be waived up front or refunded on the back end because of the subrogation potential, it's just up to the individual adjuster handling your claim. Also keep in mind when you claim against your own insurance, it shows up in your loss history whether or not your company was able to fully re-coup their losses from the other company. If they don't fully recoup, the difference will show up as a loss paid to you instead of $0. Either way it's still there. This may or may not adversely affect your premium at renewal or if you choose to shop your insurance, again it just depends on the company.

To the OP- sounds like you did work with a shady shop. Any reputable shop would stand behind their work. Sucks, but at the end of the day lawyering up will cost you more than it's worth. You'll have to live with it, or buck up and pay out of pocket to a GOOD job that will properly blend the new paint with the old for a seamless transition. If you've already taken the check from the Company, then you are SOL. Calling the the other person's company will do no good as they'll just tell you to go to the shop for repairs. Rule of thumb, NEVER take the check until the settlement is to your standards. A lot of times by taking the check, you're agreeing to the settlement. There are extenuating circumstances, but for a claim this small, I highly doubt they're going to re-open to give you diminished value.

Lastly, Geico sucks, so it doesn't surprise me they told you to call the other company.

Chuck33079 · 07-10-2013, 02:47 PM

Quote:

Originally Posted by b15

Just wanted to clear some things up...

If you file a claim against your own insurance, you do have to pay your collision deductible (it's in the policy wording). It can be waived up front or refunded on the back end because of the subrogation potential, it's just up to the individual adjuster handling your claim. Also keep in mind when you claim against your own insurance, it shows up in your loss history whether or not your company was able to fully re-coup their losses from the other company. If they don't fully recoup, the difference will show up as a loss paid to you instead of $0. Either way it's still there. This may or may not adversely affect your premium at renewal or if you choose to shop your insurance, again it just depends on the company.

To the OP- sounds like you did work with a shady shop. Any reputable shop would stand behind their work. Sucks, but at the end of the day lawyering up will cost you more than it's worth. You'll have to live with it, or buck up and pay out of pocket to a GOOD job that will properly blend the new paint with the old for a seamless transition. If you've already taken the check from the Company, then you are SOL. Calling the the other person's company will do no good as they'll just tell you to go to the shop for repairs. Rule of thumb, NEVER take the check until the settlement is to your standards. A lot of times by taking the check, you're agreeing to the settlement. There are extenuating circumstances, but for a claim this small, I highly doubt they're going to re-open to give you diminished value.

Lastly, Geico sucks, so it doesn't surprise me they told you to call the other company.

Insurance agent?

b15 · 07-10-2013, 03:37 PM

Quote:

Originally Posted by Chuck33079

Insurance agent?

I used to be an underwriter.

JARblue · 07-10-2013, 03:37 PM

Quote:

Originally Posted by b15

If you file a claim against your own insurance, you do have to pay your collision deductible (it's in the policy wording).

Except in the case of uninsured motorist coverage. There is no other insurance company, so the claim is against your own company. However, the uninsured motorist coverage in my policy does not require me to pay a deductible.

i like370z · 07-10-2013, 04:43 PM

Quote:

Originally Posted by b15

Lastly, Geico sucks, so it doesn't surprise me they told you to call the other company.

I'm planing to switch to inifiniti auto insurance some guy told me is pretty good and cheaper than geico

Chuck33079 · 07-10-2013, 04:46 PM

Quote:

Originally Posted by i like370z

some guy told me is pretty good and cheaper than geico

Stop going with what "some guy" tells you. Go online and search for policyholder experiences. 99% of the time, you'll be better off with a company you've actually heard of. Don't make price the only factor in your decision either. If you cheap out, it can (will) bite you in the *** later.

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