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
I have. In the case I had it completely “broke the tie” - since both parties were giving their “version” of the loss and there were no witnesses. Pretty hard to dispute video evidence.
If your insurance carrier, USAA paid the claim under your collision coverage, you will have to pay the $1,000 deduc. However, USAA should subrogate the claim against the other parties insurance carrier, and if they recover, they should refund the $1,000 dudct. you paid. Good luck, some times it can be a long drawn out process.
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