Some people say to go thru your own insurance, some say call the other party's insurance. My insurance says to pay them them the deductible and then they ll try to get it from the other drivers insurance.
2006-08-08 21:35:08 · 6 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
First, I hope you were ok. Secondly, whether your rates go up depends on a number of things. Normally, insurance companies do not raise rates for non-fault accidents even if they pay and even if they don't get their money back. However, every company is different and what happens may vary based on your record and other claims. Just reporting a claim (which your policy contract requires) does not affect your policy.
If the other insurance company is not delaying or still investigating coverage or liability, there is no reason why you shouldn't file with them. If time is an issue and the other carrier is not able to say right now that they will pay, you should consider filing with your carrier, especially if your vehicle is not driveable. Every person involved in an accident has to "mitigate" his/her damages. This means you do what is necessary to keep them from becoming more severe or costing more. So if your car is sitting in a storage lot while you wait for the other company to do something, they may not pay for all that storage.You would need to move the car to keep those costs down.That would be one example of when you might want to use your own coverage, especially if you can pay the deductible.
Again, there will be variations state-to state (you didn't say where this happened), but in general this is how it works across the board. If you ask your carrier about whether your rates will be affected, they should be able to specifically tell you, and I would not rely on any other info you get if it's not from your carrier with regard to your rates.
2006-08-09 12:36:37 · answer #1 · answered by Chris 5 · 1⤊ 0⤋
Let's say if you go through your own company:::: You'll have to pay your deductible. But you'll get immediate results. The only time your insurance would go up is if your company couldn't get the other company to pay them back.
If you go through the other company::::: You're at their mercy. They may let the claim sit on their desk for a few days before they touch it. If you don't need the car fixed immediately, I'd go through the other company just to save the hassle of telling your current company.
2006-08-09 08:57:13 · answer #2 · answered by mktobyjo 3 · 0⤊ 0⤋
This totally depends on the state you live in, at least in the U.S. if you are in the U.S.
Some states have "no fault" laws and it can get complicated.
But you should always try to do all you can with the other driver's insurance first before going to your insurance. And if you pay anything yourself, good luck trying to ever get it back.
Good luck.
2006-08-08 21:54:35 · answer #3 · answered by mm 2 · 0⤊ 0⤋
dont file with your insurance. your premium will go way up.his ins will pay.
2006-08-08 21:39:35 · answer #4 · answered by glock509 6 · 0⤊ 0⤋
depends on how quick you need your vechile
2006-08-08 23:11:25 · answer #5 · answered by cwgrlmeiniowa 3 · 0⤊ 0⤋
someone
2006-08-08 21:47:54 · answer #6 · answered by Anonymous · 0⤊ 0⤋