Neighbors insurance accepted liability knowing their at fault, brand new vehicle take it to vw let dealership make repairs and use their body shop.
Car wreck, lowball offer.
- Thread starter gregk24
- Start date
If it is clearly the other person's fault, your own insurance company usually steps aside and you deal with the other's insurance company on your own. Unless they have no insurance. Then uninsured motorist kicks in.
The first thing I did was ask my insurance. They said to go through our neighbors insurance if they were at fault. They also said the only reason to go through our insurance is if the other insurance drags their feet or declines to pay.
This has been my experience when both sides insurance know of the accident but it's obvious who's fault it is. The initial offer/insurance estimate from other insurer have often been low, I take it to whoever, they deal with the insurer and just send in (there's a term I can't remember) updates when the insurer's guess doesn't include something that needs replacing. Had a family friend's company fix my last ding from someone elsea few years ago, and he talked about the process for getting a plastic wheel cover. If I remember correctly he contacts the person that had my case, sends pictures, etc. They basically authorize everything he said unless it's a certain percentage more than the original estimate. With the couple of things I've had done at other's expenses, I've found insurers to be (oddly) fair. I mean, the process and ruined cars make the experience negative and annoying, but I've always had things fixed at the shop I chose, etc. without major hassle. A bit anxiety producing waiting for their approval and the check after sending in estimates, but in the end never felt like I was completely taken advantage of. I'm sure some people have different experiences.
In your specific case, might be different. Just saying after a Google there are various reasons why it might be good for your insurance to not get a surprise "no, they ran the red, not me" in various situations. But since it's your neighbor, probably much less likely.
If your car was parked it's not chargeable to you by your ins. co. . Been there, let your Ins. Co. deal with it. Yeah I had to pay the deductible to get mine fixed to the body shop when I picked it up but deductible was reimbursed to me by my Ins. Co. after they settled with the other cars Ins. Co. .
They had to reskin the D side door in my case on a Malibu.
They had to reskin the D side door in my case on a Malibu.
AutoMechanic
Site Donor 2025
Our insurance went after the lady that hit me. She was trying to say I hit her but it was evident she hit me and her insurance denied it so my dad called our insurance and about 30 minutes later they were on the phone telling me to get an estimate. He has done that multiple times worked every time.
Sometimes laughter is the best medicine. I do hope your car gets fixed as good as new.
I get it, like others said -- get some estimates and I would probably get one from a VW dealer also. There insurance is gonna have to settle up on one of the estimates. Side note --- life is a numbers game all the way around -- sooner or later --- something is gonna happen negative weather its your fault or not -- losing a job, accident on a job, getting your car dinged or hit, dealing with an arse hole,etc......
Nick1994
$100 site donor 2024
Never heard of Caliber baby food
Usually around here, the dealers don't even have a body shop, they just send it out to another body shop so I wouldn't even bother with the dealership.
Then you're good to go.
MY policy in MY state reads if I'm in an accident I MUST let them know within 24 hours. Whether or not I'm at fault or want to file a claim. They just want to know. They would prefer to hear from me than the other party first.
Go against the wording in your policy, a legal contract, and potentially suffer.
Having been rear-ended twice (both drivers on cell phones), I let my company know both times, and my rates didn't go up.
You should look for a new insurance company. You pay them. It's their job to help you, not pawn you off on someone else's insurance, regardless of who is at fault.
I've been preaching this here and elsewhere for years and sadly, there's soooooo much misinformation or bad/false advice from people who cry "it will raise rates".It doesn't matter what the offer is, when it's at the body shop they will get more money if needed from the insurance company with a supplement.
And for the millionth time: Claimwith
They will get reimbursed.
That’s because it potentially can raise your rates. Calling your ins company for help is one thing, I agree you do pay them so they should help answer questions regarding the situation. But the moment you decide to claim it on your insurance is the moment your risk goes up, potentially raising rates. I’m not saying it’s guaranteed your rates will go up but you best understand there is that possibility. This can come to bite you if/when you shop for insurance with a different company. They will see the claims you’ve filed and regardless if your insurance company was paid by the other insurance company, it still shows as a claim you filed. Also, your insurance company can change its risk structure for determining rates. A couple years down the road they may change their risk based calculation on determining rates. What if they decide to automatically flag any customer who has filed ANY claim and put them in a higher risk bracket?? That can and does happen out of nowhere. It is very common for rates to go up years after a claim, based off a new risk calculation.
Why run that risk?
Are you aware that insurance companies also see that you were involved in a claim where a) the other party was at fault and b) the other insurance paid ? Your driving record the insurance industry has is different than the one from the state too. It will show you were cited for a speeding ticket, for example, that was thrown out in court or reduced to a lesser charge. They know everything already....
At the end of the day, the other party's insurance isn't your friend and will do everything they can do settle for as little as possible.
Otherwise, I don't play games with "potentially", "not guaranteed", "may change", "what if", and so on.... How does one make a case using cop-out terms in every other sentence like that ?
At the end of the day, the other party's insurance isn't your friend and will do everything they can do settle for as little as possible.
Otherwise, I don't play games with "potentially", "not guaranteed", "may change", "what if", and so on.... How does one make a case using cop-out terms in every other sentence like that ?
Your insurance company isn't your friend either and will also do what they can to pay out as little as possible. You're also bound to your policy so you need to pay the deductible until the claim is subrogated in addition to your policy's rental coverage and limitation on OEM parts.
Perhaps this will help ease some confusion. It mentions how non-fault claims can still cause rate hikes. It also mentions how in most states, non-fault accident claims are filed against the insurance company whose driver is at fault.
Why anyone would want to file a claim on their own insurance when the other driver is at fault is beyond me, unless your state requires you to.
https://www.caranddriver.com/car-in...nsurance-rates-go-up-after-no-fault-accident/
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