Both we and the other driver have like peas in a pod ins. company. My wife recently (4 months ago) have bad luck causing several thousand $ of repairs to our motor (other driver was at fault) But still waiting subrogation. She be at fault this time (hitting the driver within the rear). The driver got an estimate of $750. Should we go the insurance company out of it and pay for the repairs to his vehicle ourselves and if so what should we have him sign or should we be in motion through Ins. company and risk being dropped (non-renewed) or a hugh increase contained by premium because we have have two accidents surrounded by 6 months
Answers: u wish and kt are correct;
if you move about thu your own insurance company for the $750 damages to the other driver, this is under liability, which have no deductible;
you may have 2 claims contained by 2 months, but 1 is at fault and the other is not at mistake since your company is pursuing subrogation against the other at fault driver; subrogation take time to resolve;
my suggestion is to call your agent if you enjoy one and ask them if you should report this claim, will this affect your rates or cause you to be non-renewed;
respectively company has different guidelines; it could be total # of claims w/in a trustworthy period of time regardless if you are at denounce or not;
others may only determine by amount of $ spent on the claim/s; some, even if you record claim and subsequently pay yourself, so the company pays nil, will count it against you, since it is still considered a claim;
if you do not have an agent, appointment the company direct and ask; most customer service people own had the examine before and probably hold the answer for your company; i suggest you dont give your baptize and policy #, just state would resembling some infor before decide which direction you go;
for the estimate of $750, i would suggest going to another body shop and enjoy them review to determine if amount of damages appear in string; if for instance the other driver has an weak car and the estimate shows a topical bumper, the cost would most be likely be double vs a used bumper; insurance companies would do alike;
if you decide to rate out of pocket, the photos, paying by check for a permanent account and having the other get-together sign off stating full and final release of adjectives claims for accident date of;;;;;;;;;;;to be exact not a guarantee they will not come back again latter and try and get more;
if they wont agree to sign, next i suggest calling and have your insurance company pedal;
good luck
WHAT IS YOUR DEDUCTABLE,WHAT IS YOUR STATE LAW?YOUR RATES MAY INCREAS DO THEY HAVE DRIVER FORGIVNES SEND MORE INFO YOU ONLY HAVE ONE ACCIDENT AGAINST YOU READ POLICY
As an Auto Broker can I guarentee...
Answers: u wish and kt are correct;
if you move about thu your own insurance company for the $750 damages to the other driver, this is under liability, which have no deductible;
you may have 2 claims contained by 2 months, but 1 is at fault and the other is not at mistake since your company is pursuing subrogation against the other at fault driver; subrogation take time to resolve;
my suggestion is to call your agent if you enjoy one and ask them if you should report this claim, will this affect your rates or cause you to be non-renewed;
respectively company has different guidelines; it could be total # of claims w/in a trustworthy period of time regardless if you are at denounce or not;
others may only determine by amount of $ spent on the claim/s; some, even if you record claim and subsequently pay yourself, so the company pays nil, will count it against you, since it is still considered a claim;
if you do not have an agent, appointment the company direct and ask; most customer service people own had the examine before and probably hold the answer for your company; i suggest you dont give your baptize and policy #, just state would resembling some infor before decide which direction you go;
for the estimate of $750, i would suggest going to another body shop and enjoy them review to determine if amount of damages appear in string; if for instance the other driver has an weak car and the estimate shows a topical bumper, the cost would most be likely be double vs a used bumper; insurance companies would do alike;
if you decide to rate out of pocket, the photos, paying by check for a permanent account and having the other get-together sign off stating full and final release of adjectives claims for accident date of;;;;;;;;;;;to be exact not a guarantee they will not come back again latter and try and get more;
if they wont agree to sign, next i suggest calling and have your insurance company pedal;
good luck
Court give me a point for jaywalking...
WHAT IS YOUR DEDUCTABLE,WHAT IS YOUR STATE LAW?YOUR RATES MAY INCREAS DO THEY HAVE DRIVER FORGIVNES SEND MORE INFO YOU ONLY HAVE ONE ACCIDENT AGAINST YOU READ POLICY
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