question for those with accident experience
03-06-2003, 11:55 AM
#1
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question for those with accident experience
if your car is hit and it's the other guys fault, do you still pay your insurance deductible or is it covered by that guy's insurance?
thanks
thanks
03-06-2003, 11:58 AM
#4
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The other guy (or girl in my case)...you could file a claim with your company if the other party's
company sucks. You would then have to pay the deductable, but then your company would go after the other company for the damages and refund you your deductable in the end. The only problem with this is that it shows up as a claim on your record, which could raise your rates.
03-06-2003, 12:01 PM
#6
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Depends...
If you file with their insurance company, you'll have nothing out of pocket.
If you file with your insurance company, you'll pay the deductible, and you'll get it back when/if your insurance gets the money back from the other party's insurance co.
Ex: I got rear-ended last July. Clearly not my fault, however there was a disagreement between the person and fault, and her insurance company as to whether her policy was valid at the time of the accident. I HAD to file with my insurance co., and they are waiting for her lawyers, the insurance company, and the PA State Insurance Comm. to come to a determination as to whether her insurance was or wasn't valid. Until such time, I'm out $500. If my insurance never recovers the money, this will fall under the "underinsured" portion of my policy, and I'll never see that deductible.
If you file with your insurance company, you'll pay the deductible, and you'll get it back when/if your insurance gets the money back from the other party's insurance co.
Ex: I got rear-ended last July. Clearly not my fault, however there was a disagreement between the person and fault, and her insurance company as to whether her policy was valid at the time of the accident. I HAD to file with my insurance co., and they are waiting for her lawyers, the insurance company, and the PA State Insurance Comm. to come to a determination as to whether her insurance was or wasn't valid. Until such time, I'm out $500. If my insurance never recovers the money, this will fall under the "underinsured" portion of my policy, and I'll never see that deductible.
03-06-2003, 12:02 PM
#7
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Yes, I think you're ok with that. Only get your company involved if you need to . I don't know
what company you have, but when I had my accident, I called my company and kept them abreast of things as they were happening. I didn't file a claim with them, but I did give them all the info so that, in case things went sour with the other driver's company, they would have all the info and could go to bat for me. Fortunately, it all worked out. I don't think you have to worry with the Post Office.
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03-06-2003, 12:06 PM
#9
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actually, your insurance will pay and you will pay deductable, until your insurance
collects money from the other guys insurance...Sometimes this process is really quick...so there may be a chance you don't have to pay your deductable(which is payed after the car is done)