the insurance of the driver who caused the accident is not doing anything to repair my friends damage car and its been a month since the accident.also.
now, my friends insurance is asking him to pay $500 for them to fix his car..how is that possible when he has full coverage. can someone help me clear this out... isn't the insurance of the other person supposed to pay the damage?
2007-06-18 13:15:23 · 15 answers · asked by unknown 1 in Cars & Transportation ➔ Insurance & Registration
They are not asking your friend to pay $500 to fix his car. He is required to pay his deductible, they pay everything over that. He needs to read his policy and be better informed.
2007-06-18 14:46:16 · answer #1 · answered by bundysmom 6 · 0⤊ 0⤋
Yes, the at fault parties insurance is supposed to pay for damages.. but.. it isnt that easy. There has been in snag in the system somewhere.. and that takes time.. some possible reasons..
1) There is no coverage (perhaps this is an old policy.. or they didnt make a payment)
2) The driver wasnt on the policy- this could lead to denial of the claim
3) They dont believe their driver is at fault and they are investing
Those are just a couple reasons.. why doenst your friend ask what the hold up is.
"Full coverage" means you have the option to fix your vehicle under your policy... all collision has a deductible (collision is something under full coverage that pays for your repairs form an accidnet) You always have to pay a deductible if you go through your carrier.. no matter of fault
Your friend just needs to suck it up and go through their insurance bc this could take awhile.. their insurance will then attempt to get her deductible back for her from the at fault party
2007-06-18 13:21:53 · answer #2 · answered by Anonymous · 1⤊ 0⤋
Sounds like you aren't getting the whole story. The $500 is the deductible on your "friends`" policy. If the accident was truly the other persons fault then their insurance company pay the full amount for the repair. If they are dragging their feet and your "friend" wants the repair done now, perhaps his company will do it and get reimbursed by the other. In which case the $500 would be refunded.
2007-06-18 13:25:38 · answer #3 · answered by Anonymous · 1⤊ 0⤋
There are a lot of factors to be considered in determining liability in an accident. Could be the other insurance company is still investigating, has denied the claim or is just inept. The best way to handle this is to let your (your friend's) insurance company handle the repairs. The $500.00 is his deductible and that is all he will have to pay. His insurance will try to recover the entire amount of the claim from the other company, including the deductible which will be refunded to your friend.
2007-06-18 15:52:41 · answer #4 · answered by Anonymous · 1⤊ 0⤋
It depends on whether a proper police report was filed, and what the various witnesses said, and what evidence the police found like skid marks.
Let's suppose for example, that there was no police report, the other driver gave phoney baloney identification & now the other insurance company can't pay anything because no one can prove that someone they insured was in any accident.
Some insurance companies want people to get two or more estimates for getting the car fixed, then they only pay the bottom quote. Some human beings go get their car fixed, then try to settle up & get into a dispute with insurance company over what the bill should be.
It depends on whether you are in a no fault state, or a fault state with respect to the laws.
It depends on whether either driver has deductable on some types of incidents, and what those deductables are.
I have never heard of anything called full coverage.
I have heard of liability, medical for passengers, collision, theft protection, identity theft protection, earthquake and flood insurance.
It demends on whether the two insurance companies are in agreement on what exactly happened and who is at fault.
It depends on whether your friend correctly understood what he was being told by the various parties, and is correctly communicating that to you.
2007-06-18 13:44:44 · answer #5 · answered by Anonymous · 0⤊ 1⤋
#1 who got the ticket, #2 ome insurances do not pay foor a long time, sometimes not until they get suied. # 3 the $500 is called a co-payment. it is used quite often to help keep insurance payments down. if you friend was found at fault then his insurance will pay for the other car and then his, or vise-versa.
2007-06-18 13:24:48 · answer #6 · answered by Timmy T 3 · 0⤊ 0⤋
It's time for your friend to get a good lawyer. The lawyer will take care of all your friends problems and the "at fault" driver or that person's insurance will have to pay the lawyer as well as your friend's car repairs.
2007-06-18 16:01:03 · answer #7 · answered by Miz D 6 · 0⤊ 1⤋
I depends on who is at fault and how the insurance companies assign damages, what they are probably asking your friend to pay is his deductible, which he alone is responsible for.
2007-06-18 13:23:36 · answer #8 · answered by gailforce_wind 6 · 0⤊ 0⤋
Your friend needs to talk to his own insurance guy. If the other insurance company isn't doing anything, then your friend's insurance company can lean on them.
2007-06-18 13:27:39 · answer #9 · answered by Anonymous · 1⤊ 0⤋
500 hundred is the deductible and by the sound of it he was labeled as at fault. otherwise the other persons insurance would have covered it
2007-06-18 13:23:35 · answer #10 · answered by Pengy 7 · 0⤊ 0⤋