I was rearended and now the other two vehicles involved their insurances, one will only pay 40%her and the other is saying wont pay,what do I do to ge
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UPDATED: Oct 31, 2011
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Insurance Question from Miami, AZ
Asked on 10/31/2011
I was rearended and now the other two vehicles involved their insurances, one will only pay 40%her and the other is saying wont pay,what do I do to ge I waswas rearended while stopped at a stoplight , later found out through police report 3rd car involved was at fault. Now her insurance will only pay 40% of the claim became they said that in my interview I said I felt two impacts. I didnt even know there were two vehicles involved behind me until after. I was taken by ambulance to hospital. No injuries except for sprains in my neck and back.
Answer given on October 31, 2011
Multi vehicle accidents are difficult to deal with because the insurance companies for the responsible parties don’t work well together. Apparently in your statement you said you felt two impacts. This will cause the one company not to be willing to pay for all of your damage. Since the second company refuses to pay you are facing some problems.You should contact your insurance company to see what coverages you have. If you have collision insurance, then file a claim with your company and they will pay for the repairs, less your deductible. If you have medical paymments coverage, they will pay for your medical bills, up to the limit in the policy. They will then subrogate against the other two companies. When things settle you will probably get your deductible back. By filing a claim with your companyit does not mean you have any responsibility and your rates will not be affected. It just makes it easier for you to move forward on your repairs and gets you out of the loop of the settlement.
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