first off , Iam not trying to scam the 2 insurance companys , on monday an individual rear ended me , today noon a commercial vehicle hit me in the front , they both got a ticket , I did not , I walked away from both , so I need ideas on what to do about this , since this just happened, the first wreck on monday has not been seen by that insurance co , let alone the second wreck , !!
I just wanted to be treated fairly by the insurance companys ,
should I let both companys know about each other and the 2 wrecks , or not ?? my car is not drivable now due to the head on , should they pay for a rental 4 me , or how does that work ??
this had never happened to me ever , heheh , what a week Iam having , oh well , could be worse , right !! aany and I mean any ideas would be apreciated !!!!
2007-03-28 17:08:45 · 14 answers · asked by heyboo134@yahoo.com 2 in Cars & Transportation ➔ Insurance & Registration
These are 2 different claims, one not having anything to do with the other. You are owed your rear end damages, you are owed your front end damages. Assuming you have collision coverage, and if you do it's 2 separate deductibles.
If your front end damages total out the car (or vice versa), you're still owed the damages from each accident.
2007-03-31 18:49:02 · answer #1 · answered by bundysmom 6 · 0⤊ 0⤋
The insurance companies will both know, if you tell them or not. As you said, one hit you in the rear and the other in front, two different areas. If you never reported injuries for monday's accident, then you can prove for this one, if you are injured. Now if you have collision coverage, then I would suggest you go through your own insurance and let them subrogate the other insurance companies for the money they laid out.
If you have rental coverage, then rent the car. If you don't, I will suggest you wait to speak with the commercial vehicle's insurance company. I have seen people rent cars and they didn't have the authorization to do so and ended up with a big rental bill. They will rent you a car but speak with them first to avoid a problem.
When it comes to the repairs, if your damage is more than what the car is worth, they give you what the car is worth. If your damage is less than what the car is worth, they give you the damage amount. That's just the way it works.
Honestly, if your not injured then getting your car fixed is not an issue. But give yourself a couple of days before you give any statements to their insurance companies stating your not injured. Most people don't feel injured until a couple of days after an accident has occurred.
2007-03-29 10:09:16 · answer #2 · answered by Rica 82 5 · 0⤊ 0⤋
Wow what a start to your week. You have a ton of issues to deal with here but they should be made easier if the other two drivers are at fault. I would suggest the following.
1. If you have collision coverage on your car report both accidents to your company now, if you haven't already done so. If you are not at-fault for the accidents your rates MAY not go up. Ask you agent, not the adjuster to be sure.
2. If you were injured or had any passengers report both accidents to your company now.
3. Both of the other companies will likely have an appraiser inspect your car or they may have you take the car to a body shop for estimates. Either way the insurance companies are going to get photos of your car and will know that both front and rear damages don't match the facts of each accident. So don't try to hide the other accident from either company. That will only make things worse.
4. Depending on the age, condition & mileage of your car it may now be a total loss which will complicate things a bit , but not make the whole thing impossible. If the rear end damages were minor and DID NOT total out the car you are allowed to collect that damage from the first insurance company. Then if the car IS a total loss the second company will owe you the actual cash value (ACV) of the car LESS the amount of rear-end damage you were paid by the first company.
5. If neither impact makes the car a total loss and both can be repaired, then each company will pay their share of the damages and each will provide a rental car for the amount of time it should take to repair their damages.
6. Assuming their are no liability issues for the other two companies to argue about I would suggest collecting from them and not your own company (but still report the accidents to your company) Then the damages should be paid without any deductible.
7. If you have collision coverage you can collect from your own insurance but you will have two deductibles to contend with. Your company will then pursue the other companies to get you deductibles back but it can be a long process.
Good Luck
2007-03-29 10:04:08 · answer #3 · answered by fighting saints 6 · 1⤊ 0⤋
If your policy allows for it, you can get a rental. Ask your agent. Since opposite ends of the car are involved, estimates may be tough. Did anyone take pictures, at either wreck? Those would be helpful, what about security cameras on nearby buildings, they may have picked up the accident/s, and you can show proof. We recently had a situation like this happen, the store picked up the entire wreck, beginning to end, including audio when it got close to the store! Keep in mind, the adjuster works for the insurance company, he is not there to offer anymore than is needed, this whole situation will take some time to figure out who must pay. Good luck.
2007-03-29 00:59:02 · answer #4 · answered by fisherwoman 6 · 1⤊ 0⤋
Yes you have to let your insurance carrier know what has occurred so that they do not deny you for misrepresenting the facts. You should have them pay for a rental vehicle...the head on collision because they rendered your car undrivable. If they say that they are investigating the claim then...if you have rental car benefit on your insurance...USE it and your carrier will subrogate the rental car and whatnot from the other person's carrier. Sorry you're having a suck @$$ week. I've had one of those! Good Luck!
2007-03-29 00:30:36 · answer #5 · answered by CheleS 2 · 1⤊ 0⤋
You start with your own insurance company, let them sort it out with both the others. Make sure they have access to both police reports. If you try and deal individually with the other 2 companies, they will try to offset damages on each other, and they will both put you on the defensive.
2007-03-29 00:53:31 · answer #6 · answered by Fred C 7 · 1⤊ 0⤋
well...it's the other peoples insurance thats gonna pay.
When you tell YOUR ins company, they might drop you, so be prepared. (your ins will go up dropped or not..) I realize it's not your fault, but you are going to end up paying somehow. So I'd go after the OTHERS first and make THEIR insurances pay ( yours will go after theirs first, but then will take most of the money and give you practically nothing.). Getting a lawyer is your best bet...
[[[ ]]] better luck in the future..
(you aren't the only one to have a REALLY bad car week...trust me...)
2007-03-29 00:17:07 · answer #7 · answered by Chrys 7 · 0⤊ 0⤋
Do NOT make this worse by not telling the insurer(s) everything that has happened. Just be honest and cross your fingers that the combined damages don't total your car.
PS -- maybe you should take the bus...
2007-03-29 00:25:37 · answer #8 · answered by Anonymous · 1⤊ 0⤋
Get copies of both police reports in case you have to prove you had two separate collisions.
2007-03-31 13:19:24 · answer #9 · answered by The Phlebob 7 · 0⤊ 0⤋
Notify everybody including your own.
If they're at fault, they should reinburse you for a rental. They usually alllow so much a day. Question, is, who is "they."
Call your co, tell them what happened.
Good luck.
2007-03-29 00:21:41 · answer #10 · answered by TedEx 7 · 0⤊ 0⤋