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Dealing with someone else's insurance?

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Dealing with someone else's insurance?

 
Old 01-26-2019, 06:44 PM
  #21  
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Originally Posted by z31maniac View Post
Basically just have to keep calling and keep calling.

If you had full coverage, you could just make a claim against your insurance company and let them deal with subrogation, which doesn't impact your claim/accident record.
It certainly did when I had to claim under my insurance and pay my deductible. If had been able to stay with the same company, my rates would not have increased but it was still officially on the record. My accident occurred a few months before moving to another state. My insurance company didn't sell in the new state so I was forced to shop around. My insurance more than doubled compared to the previous rates for the same exact coverage. My brother and my cars plus our mother's car and her house were with the same company for more than a decade with great rates and the multi-discount. EVERY one of the new companies saw the recent accident claim "on record" and although the other driver was 100% at fault, proven in the police report, my rates skyrocketed (single, ~28 year old male).

Since you only have liability, I wish you luck dealing with their insurance company. Here in Minnesota (man do I hate this state), they have no fault insurance. You'd be screwed and the only option would be to take them to small claims court with picture/video proof. The police wouldn't even want to take a report even if you forced the issue. $2000 damage is minimal and if there are no injuries, they would drive up, do a quick check and leave, possibly without getting out of the car. It happened to me back in 2004 when I was rear ended and needed a new bumper cover, paint, and a tail light. Police officer lady refused to take a report or even check that we both had insurance (was highly doubtful the other driver did). I fixed it myself since I didn't want to turn it into my insurance and risk raising my rates even further.

EDIT - I see you just received the insurance payout. I didn't read all the way through. I really wanted to comment on filing with your company and letting them subrogate not affecting your record. Maybe it depends on which state you live in. Anyway, glad to see you are able to get it back on the road yourself. Thanks for posting pictures on your repair work! :-)

Last edited by Jesse99James; 01-26-2019 at 06:53 PM. Reason: Oops, I need to read THROUGH the entire thread before commenting.
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Old 01-26-2019, 09:51 PM
  #22  
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Got time to finish putting it back together this evening. Far from perfect, but this thing is a rust bucket anyway. Good practice for ever having to work on my nice one though.

The grey spots on the paint are leftover from the gorilla tape. I will get that off... someday. I am surprised I managed to match the texture of the crappy spray paint job on the top of the passenger side quarter though.






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Old 01-26-2019, 11:16 PM
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I'm impressed
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Old 01-27-2019, 11:55 AM
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That turned out nice! I'm impressed by your paint matching ability. You have a future building rat-rods.
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Old 01-28-2019, 12:46 PM
  #25  
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Originally Posted by Jesse99James View Post
It certainly did when I had to claim under my insurance and pay my deductible. If had been able to stay with the same company, my rates would not have increased but it was still officially on the record. My accident occurred a few months before moving to another state. My insurance company didn't sell in the new state so I was forced to shop around. My insurance more than doubled compared to the previous rates for the same exact coverage. My brother and my cars plus our mother's car and her house were with the same company for more than a decade with great rates and the multi-discount. EVERY one of the new companies saw the recent accident claim "on record" and although the other driver was 100% at fault, proven in the police report, my rates skyrocketed (single, ~28 year old male).

Since you only have liability, I wish you luck dealing with their insurance company. Here in Minnesota (man do I hate this state), they have no fault insurance. You'd be screwed and the only option would be to take them to small claims court with picture/video proof. The police wouldn't even want to take a report even if you forced the issue. $2000 damage is minimal and if there are no injuries, they would drive up, do a quick check and leave, possibly without getting out of the car. It happened to me back in 2004 when I was rear ended and needed a new bumper cover, paint, and a tail light. Police officer lady refused to take a report or even check that we both had insurance (was highly doubtful the other driver did). I fixed it myself since I didn't want to turn it into my insurance and risk raising my rates even further.

EDIT - I see you just received the insurance payout. I didn't read all the way through. I really wanted to comment on filing with your company and letting them subrogate not affecting your record. Maybe it depends on which state you live in. Anyway, glad to see you are able to get it back on the road yourself. Thanks for posting pictures on your repair work! :-)
You're conflating other issues with just subrogation. A different company, a different state, etc.
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Old 01-28-2019, 03:59 PM
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And now for ***** sake, take a tiny chuck of your settlement and get a dashcam. They're cool for having proof of whatever happened in an accident, or for recording crazy weather, airplane crashes, firework factory eruptions, tsunamis, police shootouts, dog attacks, life!
https://dashcamtalk.com/

I tell you bitches, this is the one:
Amazon Amazon
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Old 02-10-2019, 09:03 AM
  #27  
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Originally Posted by z31maniac View Post
You're conflating other issues with just subrogation. A different company, a different state, etc.
Not exactly, even though the claim on my insurance was being subrogated (took a LONG time to get through the courts) all the new companies saw that accident claim on my record and because my insurance had paid out, and also probably just because they could, they put me into a higher risk category inflating my rates. It might be easier to claim through your insurance and subrogate but it's not always the best way to go. I wasn't planning on moving to another state and in hindsight, it would have been better to pay for repairs out of pocket. I paid more in higher insurance rates over the next 5+ years than the cost of repair. Plus, I was never able to recover my deductible and it wasn't worth trying to hire an attorney over $1000.
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