rdalert447 Posted September 17, 2020 Report Share Posted September 17, 2020 Got into a car accident on the highway last week. I survived, because I’m tough as nails. My old reliable car took some damage though. Police report was filed, the other driver was found 100% at fault by his own insurance company. I took my car to be inspected today, as per his insurance company. Was told that his insurance company will contact me tonight after reviewing the estimate. What should I expect next? Will they want me to get the car fixed at one of their places? Or will they cut me a check according to the estimate? Quote Link to comment Share on other sites More sharing options...
Downsouth Posted September 17, 2020 Report Share Posted September 17, 2020 My experience has been they cut you a check. Any injury? Quote Link to comment Share on other sites More sharing options...
BarryRunSome Posted September 17, 2020 Report Share Posted September 17, 2020 No injuries? Are you an idiot? You just left 10s of thousands of dollars on the table. Quote Link to comment Share on other sites More sharing options...
BarryRunSome Posted September 17, 2020 Report Share Posted September 17, 2020 Why did you go thru his insurance company. You should’ve called yours. Report the accident. They handle recouping the money to get your vehicle fixed. Your insurance sends out an adjuster. They inspect damage and estimate cost to fix. Quote Link to comment Share on other sites More sharing options...
rdalert447 Posted September 17, 2020 Author Report Share Posted September 17, 2020 No injuries. I banged my head on side window and steering wheel, but as noted above, I am too tough for my own good. Quote Link to comment Share on other sites More sharing options...
rdalert447 Posted September 17, 2020 Author Report Share Posted September 17, 2020 Why did you go thru his insurance company. You should’ve called yours. Report the accident. They handle recouping the money to get your vehicle fixed. Your insurance sends out an adjuster. They inspect damage and estimate cost to fix.I was under the impression that I’d have to meet my $500 deductible AND my insurance would go up. Was I incorrect? Quote Link to comment Share on other sites More sharing options...
BarryRunSome Posted September 17, 2020 Report Share Posted September 17, 2020 I was under the impression that I’d have to meet my $500 deductible AND my insurance would go up. Was I incorrect?I don’t want to give you a wrong answer. Let someone else chime in on that. As far as no injuries that’s crazy. There are always injuries when you get in an accident and it’s the other persons fault. You left 10s of thousands of dollars on the table. Quote Link to comment Share on other sites More sharing options...
rdalert447 Posted September 17, 2020 Author Report Share Posted September 17, 2020 I didn’t want to walk around in a neck brace for months, like that guy on the Brady Bunch. Quote Link to comment Share on other sites More sharing options...
BarryRunSome Posted September 17, 2020 Report Share Posted September 17, 2020 The protocol is you contact your insurance company and they handle the accident. Why would you contact the other persons insurance? The only time you don’t contact your insurance is if the person wants to hand you cash right there to get it fixed. Quote Link to comment Share on other sites More sharing options...
BarryRunSome Posted September 17, 2020 Report Share Posted September 17, 2020 I didn’t want to walk around in a neck brace for months, like that guy on the Brady Bunch.For 20 or 30 thousand dollars. Really? Quote Link to comment Share on other sites More sharing options...
Jimmy Hoffa Posted September 17, 2020 Report Share Posted September 17, 2020 No deductible involved Red because the other driver is covered and at fault. Glad you're okay. Quote Link to comment Share on other sites More sharing options...
WVU Posted September 17, 2020 Report Share Posted September 17, 2020 I was under the impression that I’d have to meet my $500 deductible AND my insurance would go up. Was I incorrect?you dont pay the deductible when you aren't at fault and your insurance does not go up when you are not at fault Quote Link to comment Share on other sites More sharing options...
BarryRunSome Posted September 17, 2020 Report Share Posted September 17, 2020 you dont pay the deductible when you aren't at fault and your insurance does not go up when you are not at faultNot true. I was in an accident years ago, and it was 100% the other persons fault. I would’ve had to pay my deductible and go after the other persons insurance on my own to recoup it. The only thing that saved me was the other person had the same insurance as me. You do have to pay the deductible regardless of who’s fault. You can get it back but you’re on your own going after the other persons insurance. Now that might be a state by state thing I don’t know. Correct on your insurance not going up. Quote Link to comment Share on other sites More sharing options...
rdalert447 Posted September 17, 2020 Author Report Share Posted September 17, 2020 I called my insurance company first. They gave me the option of going through them, or the other guys company. I chose the other guys company based on what I thought might happen. Quote Link to comment Share on other sites More sharing options...
Jimmy Hoffa Posted September 17, 2020 Report Share Posted September 17, 2020 I called my insurance company first. They gave me the option of going through them, or the other guys company. I chose the other guys company based on what I thought might happen.Always start with your own company. They want your car to be repaired correctly regardless of cost, they can reclaim damages from the other company. The other guy's insurance company wants to contain costs so they aim to screw you because you aren't their customer. They don't care about you or your car. Quote Link to comment Share on other sites More sharing options...
WVU Posted September 17, 2020 Report Share Posted September 17, 2020 you dont pay the deductible because the insurance of the guy at fault pays it all. Doesn't matter whose insurance you "go through". Your insurance would just go through his insurance company Quote Link to comment Share on other sites More sharing options...
rdalert447 Posted September 17, 2020 Author Report Share Posted September 17, 2020 10-4. Back to the original question. What can I expect next. Downsouth, thank you for your answer. Quote Link to comment Share on other sites More sharing options...
WVU Posted September 17, 2020 Report Share Posted September 17, 2020 10-4. Back to the original question. What can I expect next. Downsouth, thank you for your answer.they will want to fix it at one of their collision centers. Who is the guy's insurance company? Quote Link to comment Share on other sites More sharing options...
Jimmy Hoffa Posted September 17, 2020 Report Share Posted September 17, 2020 Who is the guy's insurance company?Hope it's not Allstate. They love collecting premiums, they don't love paying claims. Quote Link to comment Share on other sites More sharing options...
Brayden11 Posted September 17, 2020 Report Share Posted September 17, 2020 10-4. Back to the original question. What can I expect next. Downsouth, thank you for your answer.My last accident was several years ago and I was able to take my car wherever I wanted...the only caveat was that was the estimate was sent to the insurance adjuster to approve estimate/cost. The guy I took it to asked me if I wanted him to add a little sugar on it but I declined. Quote Link to comment Share on other sites More sharing options...
mikeman Posted September 17, 2020 Report Share Posted September 17, 2020 I was under the impression that I’d have to meet my $500 deductible AND my insurance would go up. Was I incorrect?i would deal with his insurance, you should be able to take it anywhere you want to get fixed, and if there's a disagreement between their estimate and the shops they should work it out. The getting a check option is certainly something to consider IF you choose not to get it repaired or want to shop around and maybe make money off the deal. Your deductible is not in play and assuming their ins is proactive I would not involve them. Quote Link to comment Share on other sites More sharing options...
mikeman Posted September 17, 2020 Report Share Posted September 17, 2020 For those who say always go through your own ins co, I was once in an accident and I was not insured( way back around 1980), I never told them that and went through the other guys ins and got everything paid and covered. if i had told them the truth I'm sure there would have been legal troubles, Quote Link to comment Share on other sites More sharing options...
Boatboatboat Posted September 17, 2020 Report Share Posted September 17, 2020 DrMeteorologist Psychologist Insurance egg spurt It's damn amazing Quote Link to comment Share on other sites More sharing options...
fifty cint Posted September 17, 2020 Report Share Posted September 17, 2020 For those who say always go through your own ins co, I was once in an accident and I was not insured( way back around 1980), I never told them that and went through the other guys ins and got everything paid and covered. if i had told them the truth I'm sure there would have been legal troubles,I'm sure nothing has changed since 1980 Quote Link to comment Share on other sites More sharing options...
Teddy kgb Posted September 17, 2020 Report Share Posted September 17, 2020 You’re getting sued 100%..... Quote Link to comment Share on other sites More sharing options...
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