Ouch!!!
Thread Starter
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Joined: Aug 2006
Posts: 61
Likes: 0
From: NJ
Ouch!!!
Some jerk in a Suburban backed into me and suprisingly only damaged the hood- minor tear in it.
Anyhow- what do you suggest I do-
A- Leave it at my bodyshop and let them deal with my ins co? Then I have to pay a $500 deductible and hope that the suburbans ins. co pays me back through subrogation.
B- Accept a check from my ins. co and hope it is enough to pay for the damages?
C-File the claim directly with the suburban's ins co (Lancer Ins.) and let them pay the whole thing- who knows how long that'll take-
Thanks- appreciate your insight
Anyhow- what do you suggest I do-
A- Leave it at my bodyshop and let them deal with my ins co? Then I have to pay a $500 deductible and hope that the suburbans ins. co pays me back through subrogation.
B- Accept a check from my ins. co and hope it is enough to pay for the damages?
C-File the claim directly with the suburban's ins co (Lancer Ins.) and let them pay the whole thing- who knows how long that'll take-
Thanks- appreciate your insight
Melting Slicks
Joined: Oct 2003
Posts: 2,655
Likes: 5
From: Brea CA
Well..
Some jerk in a Suburban backed into me and suprisingly only damaged the hood- minor tear in it.
Anyhow- what do you suggest I do-
A- Leave it at my bodyshop and let them deal with my ins co? Then I have to pay a $500 deductible and hope that the suburbans ins. co pays me back through subrogation.
B- Accept a check from my ins. co and hope it is enough to pay for the damages?
C-File the claim directly with the suburban's ins co (Lancer Ins.) and let them pay the whole thing- who knows how long that'll take-
Thanks- appreciate your insight
Anyhow- what do you suggest I do-
A- Leave it at my bodyshop and let them deal with my ins co? Then I have to pay a $500 deductible and hope that the suburbans ins. co pays me back through subrogation.
B- Accept a check from my ins. co and hope it is enough to pay for the damages?
C-File the claim directly with the suburban's ins co (Lancer Ins.) and let them pay the whole thing- who knows how long that'll take-
Thanks- appreciate your insight
Racer
Joined: Mar 2008
Posts: 252
Likes: 0
From: Haughton LA
Notify your ins co and provide all available info... This will get your car fixed the quickest. Your ins co will go after the other driver/ins co (subrogation) and reimburse you any deductible out of your pocket.
If you think not reporting the incident to your ins co (and dealing direct with that of the other driver) will keep your ins co from finding out - you are mistaken... they communicate very effectively.
If you think not reporting the incident to your ins co (and dealing direct with that of the other driver) will keep your ins co from finding out - you are mistaken... they communicate very effectively.
Melting Slicks
Joined: Sep 2009
Posts: 2,414
Likes: 214
From: Sarasota Florida
I agree that you let your insurance deal with it. They should make sure you get the best repair and will get the money from the Suburban's insurance. Hope it works out to your satisfaction.
Team Owner
Joined: Oct 2004
Posts: 27,420
Likes: 64
From: San Clemente CA
I agree. I have Magnetic RED and the dealer painted the new roof twice trying to please me. It's still not right but it's close enough.
My wife had a big pick up run into the back of our XJ8 and did $3500 worth of damage. Their insurance was Mercury and they couldn't have been any better. We had a rental car for a couple of weeks and it looks as good as new. Our insurance company was never notified.
My wife had a big pick up run into the back of our XJ8 and did $3500 worth of damage. Their insurance was Mercury and they couldn't have been any better. We had a rental car for a couple of weeks and it looks as good as new. Our insurance company was never notified.
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Melting Slicks
Joined: Jun 2008
Posts: 2,168
Likes: 50
From: Somerville New Jersey
I guess I'm the odd man here because every accident that I have been in I have only dealt with the other parties insurance company and I never have even told my insurance company and it has always worked out 100% for me with no out of pocket money at all.
Tech Contributor
Joined: Dec 2006
Posts: 10,962
Likes: 29
From: Van Buren Arkansas
Wounded Warrior Escort '11
You can notify your agent but don't file a claim with "your" insurance company or they will charge you a collision and raise your rates. If the other person is at fault, let their insurance company pay for the fix at a place of your chosing.
Advanced
Joined: May 2009
Posts: 78
Likes: 6
From: San Antonio TX
BUT, I have always notified my insurance, and they give me the option of who I want to deal with. I prefer dealing with the other party's insurance, and so far (3 times) it has worked out just fine without having to put any money down or accepting a check for far less than what a shop repair will actually cost.