When I pumped air to my tires, a truck backed accidentally and damaged the rear bumper of my car and front bumper was also damaged as a result of hitting the post of the air pump.The driver acknowledged his fault completely. He wanted to settle the damage privately but changed his mind due to high cost. Now the insurance co. are involved.Do I have to pay the deductible? Will this accident affect my insurance history in the future?
2007-02-15 01:24:06 · 6 answers · asked by Koang L 1 in Cars & Transportation ➔ Insurance & Registration
Based upon what you have said, you are not at fault and this should not affect your insurance rates at all, it will reflect in your auto's history but that is of little consequence.
Payment should come from the truck owner's insurance company. You will not pay any deductible and should be reimbursed fully for the cost of repair. (alternatively many insurance companies simply pay the auto repair shop the complete bill)
I hope you got the name and phone number to his insurance company along with his policy number. You should contact them immediately.
2007-02-15 01:38:08 · answer #1 · answered by Andrew 2 · 0⤊ 0⤋
You can either go with your insurance and you will have to pay your deductible. Your insurance company will then go after the guy who hit your cars insurance. Once they collect from his insurance you will get your deductible back. That is called subrogation. Your insurance should not go up as you stated you were not driving your car was parked (you were out of the car getting air) Also you can collect through the person who hit you (there insurance) but it will take longer. Good Luck Hope this helps..
2007-02-15 03:13:34 · answer #2 · answered by Kat G 6 · 0⤊ 0⤋
If you make a claim thru the insurance company of the person that hit your vehicle there would be no deductible. If you claim thru your own company you would pay your deductible and your insurance company will go to the other persons insurance to get their money back along with your deductible.
If the damage to your car is not that extensive and it is driveable claim thru the other persons insurance. You just need to call them up and tell them that you want to turn in a claim.
2007-02-15 01:36:32 · answer #3 · answered by blb 5 · 0⤊ 0⤋
I hope you got a police report, because if not, you will not get anything from your insurer. If you did, the truck driver's insurance co should reimburse you 100%. Being hit by someone else shold not affect your insurance, unless you were partly at fault.
2007-02-15 01:29:21 · answer #4 · answered by JeffyB 7 · 0⤊ 0⤋
If he admits fault to his insurance and you go directly through them- you will have no deductible. Your insurance will find out as the accident will be entered in a national database they have access to but i highly doubt it will affect your rates as they didnt have to pay out.
2007-02-15 01:44:52 · answer #5 · answered by la428282 6 · 0⤊ 0⤋
If HE is at fault, admits it, and that's what it says in the police report.. you do NOT have to pay any deductible for the claim.
Since you're going through HIS insurance, yours doesn't have to find out.
Good Luck!
.
2007-02-15 01:38:55 · answer #6 · answered by rob1963man 5 · 0⤊ 0⤋