Woke up this morning to learn that someone had crashed into a number of parked cars on my street, including mine. The main collision was with the car behind me, which was pushed into mine, so the damage is mainly to the rear bumper and quarter panel. His car was inoperable and I got his insurance, license, and registration info. My question is how to handle this without my insurance premiums going up. Do I just submit a claim with his insurance for the repair? Are there risks with this approach?
My car was hit while parked, and I got the driver’s information. Should I make a claim through his insurance or report to mine?
byu/sockbizzo inInsurance
Posted by sockbizzo
4 Comments
Forget premiums for a second. This is a collision. Do you:
Have collision coverage, want your car repaired faster, and don’t mind paying your deductible? File through yours.
Or
Not have rental reimbursement endorsement, don’t want to/can’t pay your deductible, can wait for repairs while the claim gets sorted out? File through his.
Multiple cars involved. This will take months to settle and you’ll likely not be fully compensated for your damages. File on your own policy if you have collision.
Submit a claim through the responsible party’s insurance. If you have trouble with them, you can ask your insurance to assist.
I did once file a claim with my insurance for a not at fault accident (in TX) because the person who hit me said they didn’t have insurance. It turned out that they were driving a work vehicle and the employer’s insurance covered it. My insurance closed the case once they found out the responsible party was covered.
If they really dick you around you can file a complaint with the state board of insurance.
The problem you have is the insurance company may not have sufficient limits to pay all parties. What is the policies PD limit?