I don't think I'd be taking much advice from that brother.
My leukemia's back.
- Thread starter donrae
- Start date
Unless you want to know how to commit insurance Fraud!
Here in California there is a dollar amount of damage that causes you to report to police. And since the police know your insurance information, they will inform the insurance co.
I think I could just go to the other person's company, but I would have went and told my company just to let them know, but I'd rather have my company do the contact and act on my behalf and hand;e it, because they do not want to do an uninsured/under insured payout. and they could go after them on my behalf, and if they won't they would simply hand me all relevant paperwork and likely it would be a small claims case. and it would be a slam dunk
These days pretty much ANY damage is enough to hit the limit for reporting.Unless you want to know how to commit insurance Fraud!
Here in California there is a dollar amount of damage that causes you to report to police. And since the police know your insurance information, they will inform the insurance co.
Did the person that hit you take responsibility at the scene? If so you can probably go directly to their company. In fact if they are stand up people, they've already opened a claim. If you go through your company you have to suck up the deductible and hope they can get it back from the other company.
Most insurance companies advise against admitting guilt at the scene of the accident. Maybe that's because I live in a No Fault state. The person ticketed with the accident is the one that becomes financially responsible. Typically, if you report the accident to your own insurance company, since they're not the one that fixes the vehicle, there is no deductible, OR they collect the deductible from the other insurance company. It's only when your insurance company fixes the vehicle that you pay a deductible.
Funny thing, years ago, my parents bought my oldest daughter a Mitsubishi Eclipse. I put my daughter's vehicle on my insurance. One morning, she went to work, and the main belt blew out. The one belt controlled pretty much EVERYTHING on the vehicle, so no power steering, no power anything, no AC. She made it to work, I called Mitsubishi, and we took it to them to have the belt replaced. Mitsubishi fixed the belt. A few days later, a friend wanted to borrow her car, because his mother was using her car, and he had a job interview. They went to her job, then he took the car from there. The new belt blew out, and he got into an accident. I was called, and went to the scene. It was a fender bender, no one was hurt. It didn't do much damage to the other vehicle, but the Mitsubishi sustained the most damage. The boy told me what happened, I opened the hood, and sure enough, the belt had broken. I showed it to the deputy, and it was written up as mechanical failure.
My insurance company was notified. No big deal. They tried paying the claims. It was the other insurance company that had a problem with things. They sent me some forms, asking about whether he had regular access to my vehicles. No. Was I aware of a mechanical problem when I loaned him the vehicle. No. The vehicle was recently purchased, did I take it to a mechanic to have it inspected? Yes. By who? My parent's mechanic in KY. I notified, and sent a copy of the questions to my insurance company. No big deal. Again, my insurance company tried to settle. The other insurance company sent someone to my house. I called my insurance company, and they told me not to have any contact with the other company, but to direct them to my insurance company.
My parent's mechanic contacted me. It seems the other company was trying to hold him accountable for failing to find the mechanical problems. I called my insurance adjuster, again, and explained that after my parent's mechanic inspected the vehicle, I had the belt repaired at Mitsubishi Motors, and sent them a photocopy of the bill. It had been fixed by them less than a week prior to the accident. If the other company was going to hold anyone responsible for the mechanical problems, they should be going after Mitsubishi Motors. At this point, the adjuster was as baffled as I was, since her company was trying to settle the claim, no problem. In the meantime, Mitsubishi repaired the belt again. Within a week, it broke again. Now, I was upset. In less than a month we've gone through 3 belts. They finally figured out that the tensioner was out of alignment, and got the whole thing fixed correctly. Shortly after that, the insurance company approved for Mitsubishi to do the body work, so that got done too.
A couple months later, we all got summonses to go to court. The other insurance company was upset that the boy's mother's insurance company had not been notified, and was not being held responsible for paying the damages too, and that no points had been deducted from his license. My insurance company's lawyer explained that there were no points deducted, because it was mechanical failure. They also made the judge aware that they had tried multiple times to settle the claim, for the full amount, and didn't understand why the other insurance company was handling the case the way they were. There were NO injuries involved. It was simply a matter of having the other vehicle repaired. The judge commented he thought the other insurance company might be trying to do what's known as double-dipping, which is why they were upset that the other party's insurance company was not notified. He told them that they were to settle with my insurance company, and quit inconveniencing everyone, including their own client. Even the lady that got hit was confused as to what her insurance company was doing.
Ok, that's over with, right? Nope. Almost a year later, the other insurance company tried to have the boy's license suspended, and hauled us all back into court. It was about the same thing. They wanted his mother's insurance company notified, points deducted on the boy's license, etc. The judge was not happy with the other company. He reinstated the boy's license, threw the case out of court, and told the other insurance company he would come against them on several charges. Finally, that was the end of that.
Funny thing, years ago, my parents bought my oldest daughter a Mitsubishi Eclipse. I put my daughter's vehicle on my insurance. One morning, she went to work, and the main belt blew out. The one belt controlled pretty much EVERYTHING on the vehicle, so no power steering, no power anything, no AC. She made it to work, I called Mitsubishi, and we took it to them to have the belt replaced. Mitsubishi fixed the belt. A few days later, a friend wanted to borrow her car, because his mother was using her car, and he had a job interview. They went to her job, then he took the car from there. The new belt blew out, and he got into an accident. I was called, and went to the scene. It was a fender bender, no one was hurt. It didn't do much damage to the other vehicle, but the Mitsubishi sustained the most damage. The boy told me what happened, I opened the hood, and sure enough, the belt had broken. I showed it to the deputy, and it was written up as mechanical failure.
My insurance company was notified. No big deal. They tried paying the claims. It was the other insurance company that had a problem with things. They sent me some forms, asking about whether he had regular access to my vehicles. No. Was I aware of a mechanical problem when I loaned him the vehicle. No. The vehicle was recently purchased, did I take it to a mechanic to have it inspected? Yes. By who? My parent's mechanic in KY. I notified, and sent a copy of the questions to my insurance company. No big deal. Again, my insurance company tried to settle. The other insurance company sent someone to my house. I called my insurance company, and they told me not to have any contact with the other company, but to direct them to my insurance company.
My parent's mechanic contacted me. It seems the other company was trying to hold him accountable for failing to find the mechanical problems. I called my insurance adjuster, again, and explained that after my parent's mechanic inspected the vehicle, I had the belt repaired at Mitsubishi Motors, and sent them a photocopy of the bill. It had been fixed by them less than a week prior to the accident. If the other company was going to hold anyone responsible for the mechanical problems, they should be going after Mitsubishi Motors. At this point, the adjuster was as baffled as I was, since her company was trying to settle the claim, no problem. In the meantime, Mitsubishi repaired the belt again. Within a week, it broke again. Now, I was upset. In less than a month we've gone through 3 belts. They finally figured out that the tensioner was out of alignment, and got the whole thing fixed correctly. Shortly after that, the insurance company approved for Mitsubishi to do the body work, so that got done too.
A couple months later, we all got summonses to go to court. The other insurance company was upset that the boy's mother's insurance company had not been notified, and was not being held responsible for paying the damages too, and that no points had been deducted from his license. My insurance company's lawyer explained that there were no points deducted, because it was mechanical failure. They also made the judge aware that they had tried multiple times to settle the claim, for the full amount, and didn't understand why the other insurance company was handling the case the way they were. There were NO injuries involved. It was simply a matter of having the other vehicle repaired. The judge commented he thought the other insurance company might be trying to do what's known as double-dipping, which is why they were upset that the other party's insurance company was not notified. He told them that they were to settle with my insurance company, and quit inconveniencing everyone, including their own client. Even the lady that got hit was confused as to what her insurance company was doing.
Ok, that's over with, right? Nope. Almost a year later, the other insurance company tried to have the boy's license suspended, and hauled us all back into court. It was about the same thing. They wanted his mother's insurance company notified, points deducted on the boy's license, etc. The judge was not happy with the other company. He reinstated the boy's license, threw the case out of court, and told the other insurance company he would come against them on several charges. Finally, that was the end of that.
I had the opposite happen: The Tahoe I was in was rear-ended. It was the other drivers fault, we both had the exact same explanation of events - as did the three fire department employees who were walking down the sidewalk. I had my turn signal on to enter a parking lot behind City Hall but had to wait for the firemen to cross the driveway, lol. The cop took the other drivers information first because he had 2 young children with him and one of them was nearly hysterical (afraid of people in uniform!!). When I gave him my insurance card, he just stared at it. Then asked if I knew the guy who hit me, no I didn't. It turns out that he had a company car - and his company was in the far side of the state and had insurance with the same small insurance firm that I had insurance with. My In-laws lived in that area of the state and rented office space to an insurance salesman for that company. The cop had never even heard of that insurance company before that point, lol. The insurance company fixed my rear bumper - one phone call from them, no deductible, no fuss, no problem.
wyo, that's really great! Again, it was not my own insurance company that had any problems. No one understands why it was an issue with the other company, unless like the judge said, they wanted to bill BOTH his, and my insurance company for the same accident. In other words, double dipping.
Sounds like I missed a lot during the last couple of weeks I've been gone! I'll try to catch up, but don't count on it! 
Home until Thursday, then back on the road again. I'll be so glad when this year is over, and that will be August 12 at 4 pm! Sharp!
Home until Thursday, then back on the road again. I'll be so glad when this year is over, and that will be August 12 at 4 pm! Sharp!
Sounds like I missed a lot during the last couple of weeks I've been gone! I'll try to catch up, but don't count on it!
Home until Thursday, then back on the road again. I'll be so glad when this year is over, and that will be August 12 at 4 pm! Sharp!
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