Had Accident: Need Advice Dealing with Insurance companies please.
06-10-2009, 04:27 PM
#11
4th Gear Member
Join Date: Nov 2007
Location: Orange, California
Posts: 1,454
06-10-2009, 04:34 PM
#13
3rd Gear Member
Join Date: Sep 2007
Location: Sacramento, CA
Posts: 734
Dont call her insurance company. Tell your insurance company and let them deal with it. Thats why they are there in the first place. You should have got a police report but you didnt. Its now in the past. Just have your insurance fix your car and dont worry about it. They will probably take her or her isurance company to court. They will probably end up going after her real soon so they can see if there is any paint transfer (easiest way to tell if someone hit something).
Anyway so yea dont get in the middle of it, let your insurance company pay for it. There is no way you are going to have to pay anything more than your deductible at worst. Best case would be you dont pay anything at all and your car gets fixed.
Anyway so yea dont get in the middle of it, let your insurance company pay for it. There is no way you are going to have to pay anything more than your deductible at worst. Best case would be you dont pay anything at all and your car gets fixed.
06-10-2009, 06:45 PM
#15
4th Gear Member
Join Date: Nov 2008
Location: California
Posts: 1,495
+1 on letting your insurance company handle it. You don't want to contact the other insurance company directly.
Sometimes an eyewitness account can be good; sometimes it might be inaccurate. Kind of a tossup on that one.
Never try to figure out what the other driver might say afterward. A number of years ago I was driving about half a block behind a Mercedes. The Mercedes went through an intersection on either a green or very early yellow light. A taxicab traveling from the left on the cross street slammed into the driver's side of the Mercedes. I saw the light change to red after I saw and heard the impact. The police arrived, and I gave them my statement. I also gave my contact information to the Mercedes driver.
A few weeks later I received a telephone call from an insurance company. After I had given them my statement, I asked what it was all about. They said they represented the Mercedes driver, and that the taxicab driver had hired a lawyer and was suing. Unbelievable! I never heard anything further, so I am guessing that the insurance company for the Mercedes driver told the taxicab driver's attorney to f off. BTW, the Mercedes was drivable; the taxicab had to be towed.
Good luck in all this. Try not to let it get to you too much.
Sometimes an eyewitness account can be good; sometimes it might be inaccurate. Kind of a tossup on that one.
Never try to figure out what the other driver might say afterward. A number of years ago I was driving about half a block behind a Mercedes. The Mercedes went through an intersection on either a green or very early yellow light. A taxicab traveling from the left on the cross street slammed into the driver's side of the Mercedes. I saw the light change to red after I saw and heard the impact. The police arrived, and I gave them my statement. I also gave my contact information to the Mercedes driver.
A few weeks later I received a telephone call from an insurance company. After I had given them my statement, I asked what it was all about. They said they represented the Mercedes driver, and that the taxicab driver had hired a lawyer and was suing. Unbelievable! I never heard anything further, so I am guessing that the insurance company for the Mercedes driver told the taxicab driver's attorney to f off. BTW, the Mercedes was drivable; the taxicab had to be towed.
Good luck in all this. Try not to let it get to you too much.
06-10-2009, 06:50 PM
#16
3rd Gear Member
Thread Starter
Join Date: Oct 2006
Location: Spring, TX
Posts: 816
+1 on letting your insurance company handle it. You don't want to contact the other insurance company directly.
Sometimes an eyewitness account can be good; sometimes it might be inaccurate. Kind of a tossup on that one.
Never try to figure out what the other driver might say afterward. A number of years ago I was driving about half a block behind a Mercedes. The Mercedes went through an intersection on either a green or very early yellow light. A taxicab traveling from the left on the cross street slammed into the driver's side of the Mercedes. I saw the light change to red after I saw and heard the impact. The police arrived, and I gave them my statement. I also gave my contact information to the Mercedes driver.
A few weeks later I received a telephone call from an insurance company. After I had given them my statement, I asked what it was all about. They said they represented the Mercedes driver, and that the taxicab driver had hired a lawyer and was suing. Unbelievable! I never heard anything further, so I am guessing that the insurance company for the Mercedes driver told the taxicab driver's attorney to f off. BTW, the Mercedes was drivable; the taxicab had to be towed.
Good luck in all this. Try not to let it get to you too much.
Sometimes an eyewitness account can be good; sometimes it might be inaccurate. Kind of a tossup on that one.
Never try to figure out what the other driver might say afterward. A number of years ago I was driving about half a block behind a Mercedes. The Mercedes went through an intersection on either a green or very early yellow light. A taxicab traveling from the left on the cross street slammed into the driver's side of the Mercedes. I saw the light change to red after I saw and heard the impact. The police arrived, and I gave them my statement. I also gave my contact information to the Mercedes driver.
A few weeks later I received a telephone call from an insurance company. After I had given them my statement, I asked what it was all about. They said they represented the Mercedes driver, and that the taxicab driver had hired a lawyer and was suing. Unbelievable! I never heard anything further, so I am guessing that the insurance company for the Mercedes driver told the taxicab driver's attorney to f off. BTW, the Mercedes was drivable; the taxicab had to be towed.
Good luck in all this. Try not to let it get to you too much.
I will hope for the best and hopefully my insurance company will stand up for me. I just want my car fixed.
06-10-2009, 07:10 PM
#17
S197 Section Modder-ator
Join Date: Sep 2007
Location: Orlando FL
Posts: 13,373
With no police report, it doesn't help...
This might take a while before your or the dingbat insurance decide to cover.
Owning a shop, I had my share of BS, no name insurance that some of my customer carry.
They don't have their own adjusters, takes forever to get a check and they hate supplements.
Geico can really suck when it comes to pay out, I've experienced lots of bad behavior from then with customers.
Hopefully, it won't be the case with you if they have to handle your claim.
If it takes too long, Geico might take care of that claim minus your deductible that you will get later on when the other Insurance company gives in. I've seen this happen.
In any case, good luck.
This might take a while before your or the dingbat insurance decide to cover.
Owning a shop, I had my share of BS, no name insurance that some of my customer carry.
They don't have their own adjusters, takes forever to get a check and they hate supplements.
Geico can really suck when it comes to pay out, I've experienced lots of bad behavior from then with customers.
Hopefully, it won't be the case with you if they have to handle your claim.
If it takes too long, Geico might take care of that claim minus your deductible that you will get later on when the other Insurance company gives in. I've seen this happen.
In any case, good luck.
06-10-2009, 08:08 PM
#18
2nd Gear Member
Join Date: May 2009
Location: utah
Posts: 305
With no police report, it doesn't help...
This might take a while before your or the dingbat insurance decide to cover.
Owning a shop, I had my share of BS, no name insurance that some of my customer carry.
They don't have their own adjusters, takes forever to get a check and they hate supplements.
Geico can really suck when it comes to pay out, I've experienced lots of bad behavior from then with customers.
Hopefully, it won't be the case with you if they have to handle your claim.
If it takes too long, Geico might take care of that claim minus your deductible that you will get later on when the other Insurance company gives in. I've seen this happen.
In any case, good luck.
This might take a while before your or the dingbat insurance decide to cover.
Owning a shop, I had my share of BS, no name insurance that some of my customer carry.
They don't have their own adjusters, takes forever to get a check and they hate supplements.
Geico can really suck when it comes to pay out, I've experienced lots of bad behavior from then with customers.
Hopefully, it won't be the case with you if they have to handle your claim.
If it takes too long, Geico might take care of that claim minus your deductible that you will get later on when the other Insurance company gives in. I've seen this happen.
In any case, good luck.
don't be afraid to call the other company and tell them you want them to pay, infact my own insurance company recommended that it shows you are not taking fault.
06-10-2009, 10:13 PM
#20
3rd Gear Member
Thread Starter
Join Date: Oct 2006
Location: Spring, TX
Posts: 816
It's already been mentioned but I will say it again. Tell your insurance company you want to subrogate the claim to them. What this means is you will have to pay your deductible to get your car fixed. You won't have to wait for all the back and forth between insurance companies. When your insurance company gets their money from her insurance they will cut you a check for the deductible you already paid.
