Who should I let handle my auto accident claim?
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UPDATED: Feb 23, 2015
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Insurance Question from Rockvale, TN
Asked on 02/23/2015
Who should I let handle my auto accident claim? I was sideswiped by a 2004 Suv in Murfreesboro, Tn.. Police report says her fault. Farm Bureau says let them fix my car and they will deal with the other party (The General Ins) to collect payment. I have full coverage 2010 Altima. $200.00 comprehensive, $500.00 collision. Should I do this or go through the at fault insurance co. myself? What is going to happen to my coverage and driver record if my insurance co. pays first? I don't handle stress very well. I am 67.Thank you.
Answer given on March 10, 2015
If you were in an auto accident that was not your fault you can try to work with the other insurance company or you can do as your company suggested and to go through them.The advantage to going through the other company is that they will pay the full amount of the damages to your car. However, they may be very slow in respondingthey may argue the amount in question. They should provide you with a rental car while your car is being repaired, but they may try to argue that too.Your insurance company will pay the full amount of the damage, less your deductible. They will handle this faster. If you don’t have rental car coverage then your insurance company will not pay for a rental car. You will get the deductible back after your insurance company gets all of the money back from the other insurance company. This could take some time.
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