Should I pay for my car repair or claim my own car collision with $500 deductible to fix the damages on my car?
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UPDATED: Aug 26, 2011
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Insurance Question from Torrance, CA
Asked on 08/26/2011
Should I pay for my car repair or claim my own car collision with $500 deductible to fix the damages on my car? My car was in a 2 cars accident on 8/08/11 and both carried the same company insurance. On 8/19/11 the insurance examiner send us a letter stating that: "the driver of your vehicle was found to be NOT at fault". When I asked for arrangement to repair my car, the examiner told me to pay for my repair or use my own car insurance with collision deductible of $500 although it was NOT my fault. She also said that the other car that caused the accident won't pay to repair my car.
Answer given on August 27, 2011
You say that you both have the same insurance company, so this should be fairly easy to resolve. If it was determined that you were not at fault in the accident, then you should not have to go through your insurance to repair your car.Even though it is the same insurance company, there are usually two adjusters assigned to the claim – one for each policyholder. If the adjuster you spoke to is for the other party, call your adjuster and see if he can help you get your car repaired through the other party’s insurance, thus avoiding your deductible.You might also ask your agent to help you work with the adjusters to get your car repaired. If that is unsuccessful, ask to speak with a supervisor in the claims unit. They may be able to get this resolved through the correct policy. It seems there is a miscommunication between the adjusters and this should be resolved to your satisfaction.
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