Posted on 01/18/2017 1:35:44 PM PST by LouAvul
I was involved in an accident this past Sunday where a lady pulled out of a side street onto my lane and panicked and stopped. I was able to swerve and avoid t-boning her driver's side door. I clipped her rear fender and damaged my vehicle.
She admitted her fault, the police reported such, etc.
I got an email from USAA, my insurance company, and they said the total repair bill is ~$5,500. The email also said they paid the auto repair company $4,500 as my deductible is $1,000.
Is this SOP? The accident was the other party's fault. Should the other party's insurance company not pay the entire bill?
thanks
You hit her. It’s your fault.
Now, I admit there are always exceptions to this rule, but for the most part - that’s how it goes.
Did you get a ticket?
This is very simple. She admits fault. You go to her insurance company for the repairs. Your company should not have to pay anything.
USAA is trying to get your car fixed as fast as possible. After that they will go after the other person’s insurance for repayment. That is what they did to me. Call them to verify that this is what is happening.
I’ve always heard if you hit another car from the rear,(anything behind the front bumper), then you could be at fault because you are not in control of your vehicle.
If you’re not at fault your insurance company will subjugate the claim (go after her ins co) and when they get their money back they will refund your deductable or whatever percentage they collect. You could be 20% at fault just for being there.
You should ask if they will wave the deductable since the total repair was over $1,000.
My daughter was rear ended 2 days ago. USAA said they will wave the $500 deductable sine the repair is over $500.
If you are not in a no-fault state. If you are, your insurance company should be suing (formality) the other company to get your deductible back. You do have a police report I hope. The police report should say who is at fault.
The woman’s insurance company should pay. Maybe, on an open and shut case like this, your company will just get reimbursed from her insurance company. If they get reimbursed for the full cost, then you should eventually get a check for your deductible from your insurance company.
But sometimes the fine print in your insurance contract can allow the insurance companies to do strange things. And then there are the no-fault states.
You came up with an answer like that and you call yourself “Responsbility2nd”?? It’s not necessarily the poster’s fault,but even if the other driver hit HIM, he would likely only get 2/3 or so of HIS repair bill. They will always judge that the victimized driver had some fault, as if his car could sprout wings and fly away once he sees there’s about to be an accident.PLUS -— $5500 for a clipped fender???
My insurance paid for an accident that I didn’t cause a couple years ago. The final outcome is still in litigation, but the immediate concern of my insurance was to get me truck assessed and paid for so I could get another vehicle. They were later reimbursed by the other insurance company.
Subrogate.
Her insurance company should pay your deductible....................
Subrogation is a term denoting a legal right reserved by most insurance carriers. Subrogation is the right for an insurer to legally pursue a third party that caused an insurance loss to the insured. This is done as a means of recovering the amount of the claim paid by the insurance carrier to the insured for the loss.
Subrogate..........
Insurance investigator told me, after an accident, that they often do not even read the Police reports. They do their own investigations and determine fault on their own..............
I am in auto insurance. USAA is faster than most companies in handling damages. Until the other insurance company accepts liability (if they do), you owe your deductible. USAA is usually good at following up with the other carrier on their investigation, but of course you can do so as well. IF they accept, USAA may be able to either waive your deductible or advance it to you (I believe they do - some carriers don’t). If they can’t, the other insurance company should be willing to do so (again - assuming that liability has been accepted).
Yeah, op said fault admission was in the police report.
BTW, this is why I have a dash cam.
Your insurer’s obligation is first and foremost to you, and USAA acted properly and took care of its customer (you) first. Once it paid for your damage, USAA became subrogated to your rights of recovery against the tortfeasor (i.e., the other driver, who would be the at-fault party).
What USAA did is standard claims handling.
Just an an FYI, no-fault almost always ONLY applies to injuries, not property damage.
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