Auto Accident cause by other driver- Shoud I use their insurance company or mine? What are the Pros and Cons?
I was recently involved within an auto accident, caused by another driver. No one be hurt, however, there was plunder to the side of my vehicle. The other driver was issued a traffic citation by the responding police officer for failure to concede the right of way. I called my insurance company, and they stated that I could work through them, hold the vehicle repaired (minus my deductible), and they would go after the other driver’s insurance company to try and get my deductible rear. My insurance company also suggested that I could work with the other insurance company directly. Does anyone have any direction as to how I should proceed, and what pitfalls to watch out for? I am unsure as to whether my rates will go up if I use my insurance company for the repairs, as challenging using the other at-fault drivers insurance company – BTW: The accident occurred surrounded by Virginia. Thanks to all who respond!
Let your insurance company handle the claim. You will own to pay the deductible but your company will attempt to recover it & return it to you. Whether you be in motion through the other company or your company for the claim will not determine whether or not your rate will go up. Source(s): insurance broker
The state of Virginia has Contributory Negligence law. Meaning if the other carrier thinks you contributed to the catastrophe in any way (didn't brake contained by time, didn't try to avoid the accident, etc), they could possibly deny your claim. But that all depends on how the twist of fate occured, which you didnt say,
So all within all your best option would be to use your own insurance and clear the deductible.
That way you know 100% that your vehicle will be repaired Source(s): Claims 7 yrs
"> let your ins.company know around the accident they will advise you what to do.most cases where on earth your not at fault the other ins.company will take keeping of damages,rental car,etc... and you wont need to wage your deductable. they will send an ins.adjuster out to look at your car and after send you a check,DO NOT cash or deposit the check until you hold a shop repair your car. if you cash it they will not allow any other repairs that might stipulation to be done that you cant see. unless your not gonna fix it then cash it. I be an autobody shop manager for 4 yrs.
Related Questions:
Let your insurance company handle the claim. You will own to pay the deductible but your company will attempt to recover it & return it to you. Whether you be in motion through the other company or your company for the claim will not determine whether or not your rate will go up. Source(s): insurance broker
The state of Virginia has Contributory Negligence law. Meaning if the other carrier thinks you contributed to the catastrophe in any way (didn't brake contained by time, didn't try to avoid the accident, etc), they could possibly deny your claim. But that all depends on how the twist of fate occured, which you didnt say,
So all within all your best option would be to use your own insurance and clear the deductible.
That way you know 100% that your vehicle will be repaired Source(s): Claims 7 yrs
"> let your ins.company know around the accident they will advise you what to do.most cases where on earth your not at fault the other ins.company will take keeping of damages,rental car,etc... and you wont need to wage your deductable. they will send an ins.adjuster out to look at your car and after send you a check,DO NOT cash or deposit the check until you hold a shop repair your car. if you cash it they will not allow any other repairs that might stipulation to be done that you cant see. unless your not gonna fix it then cash it. I be an autobody shop manager for 4 yrs.
Related Questions:
- Would an auto insurance company hold a sense to forget about the reality of have an incorrect VIN Number?
- Which auto insurance do you recommend within Atlanta?
- Rental auto quirk - should I appointment my auto insurance?
- Cheap Auto Insurance within FL?
- How do I clear an auto claim to my insurance company?