- My Forums
- Tiger Rant
- LSU Recruiting
- SEC Rant
- Saints Talk
- Pelicans Talk
- More Sports Board
- Fantasy Sports
- Golf Board
- Soccer Board
- O-T Lounge
- Tech Board
- Home/Garden Board
- Outdoor Board
- Health/Fitness Board
- Movie/TV Board
- Book Board
- Music Board
- Political Talk
- Money Talk
- Fark Board
- Gaming Board
- Travel Board
- Food/Drink Board
- Ticket Exchange
- TD Help Board
Customize My Forums- View All Forums
- Show Left Links
- Topic Sort Options
- Trending Topics
- Recent Topics
- Active Topics
Started By
Message
Should I contact my insurance company if hit and not at fault?
Posted on 11/15/19 at 12:33 pm
Posted on 11/15/19 at 12:33 pm
My daughter was hit and not a fault. The police report says so and the other drive admitted it to the officer. Should I contact my insurance company (Geico) or just contact the at fault parties insurance company (Progressive)?
7
Posted on 11/15/19 at 12:42 pm to WPBTiger
I would contact your insurance and try to get all the work done through them.
You will pay your deductible up front, but then your insurance will claim that amount from the other driver's insurance and refund you within a month or two.
My experience has been that it's easier to use a shop I want and get the quality parts that I want when using my own insurance.
You will pay your deductible up front, but then your insurance will claim that amount from the other driver's insurance and refund you within a month or two.
My experience has been that it's easier to use a shop I want and get the quality parts that I want when using my own insurance.
Posted on 11/15/19 at 1:24 pm to WPBTiger
quote:
My daughter was hit and not a fault. The police report says so and the other drive admitted it to the officer. Should I contact my insurance company (Geico) or just contact the at fault parties insurance company (Progressive)?
Contact the persons company who's at fault.
If you file on your own you will have a claim on your record, a non-fault claim, but a claim nonetheless. If you have problems with Geico you can submit through yours and they'll take care of everything and then subrogate back on Geico and get their money back. But if Geico covers it properly then you shouldn't call your own.
This is for Texas.
Posted on 11/15/19 at 2:06 pm to WPBTiger
Are you in a hurry?
If yes, you can file on your own. They get started with the claim without even asking about fault.
If not, file on Progressive. They will get statements and confirm fault before really beginning the process.
Most insurance companies are in bed with the same repair companies. That should be a moot point.
The question is if you need a rental car today and if you care that you will have a not at fault on your driving history (do you shop your insurance often? This could impact best rates available).
If yes, you can file on your own. They get started with the claim without even asking about fault.
If not, file on Progressive. They will get statements and confirm fault before really beginning the process.
Most insurance companies are in bed with the same repair companies. That should be a moot point.
The question is if you need a rental car today and if you care that you will have a not at fault on your driving history (do you shop your insurance often? This could impact best rates available).
Posted on 11/15/19 at 2:27 pm to WPBTiger
Go through the at-fault party's insurance first. You won't have to come out of pocket with anything.
If you try to handle it through your own insurance, you'll be out of pocket with your deductible until your insurance subrogates against the other driver's insurance, which may take a couple months. Also, handling through the other driver's insurance keeps the claim off your record so you wouldn't lose a claim-free discount if you had one.
If the other driver's insurance gives you the runaround or if you're in a rush, then you may want to file through your own insurance because the other insurance may wait a week or so before accepting responsibility until a police report is available. If your daughter's car is driveable, then you can afford the patience but if she can't drive it and needs a rental right away then you might have to file against your own.
If you try to handle it through your own insurance, you'll be out of pocket with your deductible until your insurance subrogates against the other driver's insurance, which may take a couple months. Also, handling through the other driver's insurance keeps the claim off your record so you wouldn't lose a claim-free discount if you had one.
If the other driver's insurance gives you the runaround or if you're in a rush, then you may want to file through your own insurance because the other insurance may wait a week or so before accepting responsibility until a police report is available. If your daughter's car is driveable, then you can afford the patience but if she can't drive it and needs a rental right away then you might have to file against your own.
Posted on 11/15/19 at 2:44 pm to WPBTiger
Yes
Posted on 11/15/19 at 3:37 pm to WPBTiger
I got totalled by a progessive customer a few years ago and they were easy to deal with. They were no doubt scared shitless I would sue , so i got the chick fil a treatment, their first offer was more than my totalled car was even worth. Sent a guy out to my house and everything.
Posted on 11/15/19 at 3:57 pm to WPBTiger
quote:
My daughter was hit and not a fault. The police report says so and the other drive admitted it to the officer. Should I contact my insurance company (Geico) or just contact the at fault parties insurance company (Progressive)?
the answer is absolutely not if you don't have to.
Not at faults can absolutely make rates go up.
Posted on 11/16/19 at 9:08 am to seawolf06
quote:
I would contact your insurance and try to get all the work done through them. You will pay your deductible up front, but then your insurance will claim that amount from the other driver's insurance and refund you within a month or two.
My experience has been that it's easier to use a shop I want and get the quality parts that I want when using my own insurance.
We have done this twice with good results. I asked my State Farm agent each time if it would affect my rates, and they said no because we were not at fault. They were correct. Repairs started immediately without having to negotiate with the at fault insurance company. Your mileage may vary, so ask your agent.
We got the $500 deductible back several weeks later after State Farm settled up with the at-fault drivers insurance.
We don’t carry rental car coverage to pay for a rental while repairs are being made. I once had to make that claim through the liability insurer of the at fault driver. Was a huge PITA, and they dragged it out forever. I could afford to front the rental fees and wait for reimbursement, but a poor student or the like would have been at their (lack of) mercy. So glad I didn’t have to do that to get the repairs made.
Posted on 11/16/19 at 9:28 am to Twenty 49
In Georgua, the not at fault will not affect your renewal premium.
But it can affect rates if you shop your insurance regularly (claims frequency is an underwriting factor).
If you have a lot if tickets or at fault accidents, it can affect a possible nonrenewal (claims frequency).
If you are a good driver and have no intention of ever shopping, file on your own.
But it can affect rates if you shop your insurance regularly (claims frequency is an underwriting factor).
If you have a lot if tickets or at fault accidents, it can affect a possible nonrenewal (claims frequency).
If you are a good driver and have no intention of ever shopping, file on your own.
Page 1 of 1
Popular
Back to top
Follow TigerDroppings for LSU Football News