SIGforum
Traffic accident help-Insurance info help
May 06, 2020, 11:39 AM
Mars_AttacksTraffic accident help-Insurance info help
A rear bumper cover is $1400 for the repair.
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Eeewwww, don't touch it!
Here, poke at it with this stick.
May 06, 2020, 12:26 PM
OKCGeneI’m assuming your state has a state department to license and regulate used car dealerships.
To obtain a license from said department requires certain requirements to obtain and continued with a valid compliance. Surely valid insurance is one of those.
Contact that state department and see what they say.
If bozo is put on notice he will lose his license to sell cars this may be cleared up quickly.
Good luck to you.
May 06, 2020, 12:47 PM
Black92LXquote:
Originally posted by 220-9er:
quote:
Originally posted by mrvmax:
Why not just give it to your insurance and let them deal with it? They can track him down and pursue him.
Because your insurance will have you make an uninsured motorist claim and in my case they count that like a collision claim with the deductible and potential future rates. Should be illegal for them to do that.
Getting hit by a deadbeat really sucks in the real world.
quote:
Originally posted by Mars_Attacks:
If you turn it in to your own insurance, they can and more than likely raise your rates and you will get fucked out of your deductible.
If this is how your insurance company operates then you should switch IMMEDIATELY.
State Farm has gone after the other guy for me 3 times. In all cases my $100 was returned rather quickly.
Never had my rates increased ever (except when upgrading vehicles). Rates have only dropped.
One instance I ended up getting sued by the other driver well after the fact. State Farm provided my attorney at multiple hearings at no charge or deductible to me.
I ended up winning the suit and even after lots of billable hours my rates never went up.
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May 06, 2020, 01:00 PM
ScurvyYou can file the claim with your insurance company a d tell them you want to other carrier to pay for it.
The dealer has insurance. Let your insurance company find out who that is and file the claim on your behalf.
Your insurance company can't force you to settle the claim with them. Let them do all the legwork and then file your claim with the other carrier once they straighten things out.
May 06, 2020, 01:07 PM
1s1kWhat insurance info was given to you at the time of the accident when you exchanged info?
Never trust someone when they are super nice at the time of the accident. As soon as you're not in front of them the scenario will change, especially when driving a "company" car that might affect their employment.
May 06, 2020, 01:27 PM
BigSwedequote:
What insurance info was given to you at the time of the accident when you exchanged info?
I trusted the police to get the info and put it on the report, it has a policy number and the insurance company listed is the name of the dealership, instead of the insurance company
May 06, 2020, 01:29 PM
ryan81986Out of curiosity, what is the policy number? You can omit the last few digits.
May 06, 2020, 01:55 PM
BigSwede76GA000115xxx
My agent did give me a call back, short of filing a claim she had nothing to offer
May 06, 2020, 02:23 PM
ryan81986The claims department is the one that has all the resources available to them.
Outside of selling and servicing a policy, an agent/broker is pretty much useless.
May 06, 2020, 02:29 PM
alptraumquote:
Originally posted by Black92LX:
If this is how your insurance company operates then you should switch IMMEDIATELY.
State Farm has gone after the other guy for me 3 times. In all cases my $100 was returned rather quickly.
Never had my rates increased ever (except when upgrading vehicles). Rates have only dropped.
One instance I ended up getting sued by the other driver well after the fact. State Farm provided my attorney at multiple hearings at no charge or deductible to me.
I ended up winning the suit and even after lots of billable hours my rates never went up.
I agree with you. I also have SF and they've helped me in a similar situation twice, though thankfully no court appearance. They tracked the other parties down and got my payment. Didn't cost me anything (over my regular insurance rates) and my rates did not rise. I don't remember the exact mechanism as it's been quite a few years. I may have filed a claim. But the accidents were not my fault and I did not pay anything out of pocket and my rates did not go up.
May 06, 2020, 03:18 PM
Scurvyquote:
Originally posted by ryan81986:
The claims department is the one that has all the resources available to them.
Outside of selling and servicing a policy, an agent/broker is pretty much useless.
Exactly. Just file the claim and tell them you are adamant about going through the other carrier for ddamages directly.