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 Posted: Thu Jan 29, 2009 6:34 am Post subject: I just had an accident |
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I hit some ice and my car went into a ditch. It is partial at fault, but in any event I have a $1000 deductible, when do I have to pay this? I did alot of damage, just a little to the body but I wrecked my trnasmission. Is there a chance I pay this over time or do I have to pay before they will fix my car?
My car is nondrivable and they will give me a rental for 16days, but I don't have $1000 to pay right now. Do i Pay it to the insurance company or to the garage?
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Rodney
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| Posted: Thu Jan 29, 2009 6:40 am Post subject: |
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| Your insurance company will pay the cost to repair the vehicle less the $1000. So the remaining amount you would owe to the shop when it's repaired. When you have it repaired it up to you. |
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tcope
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| Posted: Thu Jan 29, 2009 6:41 am Post subject: |
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So it is up to mew to work something out with the mechanic
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Rodney
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| Posted: Thu Jan 29, 2009 6:52 am Post subject: |
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Also I was wondering I was skiddign towards another street and slammed the car to reverse which is likley what caused the damage to the transmission, will this be covered just the same?
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Rodney
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| Posted: Thu Jan 29, 2009 8:31 am Post subject: |
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It should be covered. It probably made the vehicle skid more though.
Yes, you need to work things out with the repair company. |
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tcope
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| Posted: Thu Jan 29, 2009 9:22 am Post subject: |
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| Okay, let me first clarify that there is no way you can escape paying the deductibles. You have promised to contribute $1,000 towards the claim when you have taken out the policy. And, as T has mentioned the insurance company would only pay for the bills minus your deductible, or, if its already in the bodyshop then may wait for you to pay the deductible first and then pay the rest, in which case you may have to pay $1,000 upfront. |
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RupertWBradson
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| Posted: Thu Jan 29, 2009 11:58 am Post subject: insurance |
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| I was in an accident last winter. I hit 'Black Ice and hit a guardrail 'head on'. I din't hit anything/anyone else..thank goodness! My deductible was $500.00.....the damages came to $2200.00. My Insurance paid all BUT the deductible to the garage who fixed my car. However.......when this accident happened, my Insurance company DID say it was NOT a 'No Fault' accident ( I think that's the words they used). How can the accident be ANYONE'S fault when it was just that..an accident.. and I din't hit anyone? |
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sdchargersfan
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| Posted: Thu Jan 29, 2009 12:58 pm Post subject: |
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| Most garages are going to expect a full payment when the job is completed. Some may settle for half down and then a payment arrangement. Is it possible to by pass something to make up for the deductible..like maybe settling to get it painted later when the person has the money or something else along those lines? I do not know for sure but maybe that is an option. |
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fireyone
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| Posted: Thu Jan 29, 2009 1:43 pm Post subject: |
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One option you 'might' have is to not repair the minor body damage | Quote: | | did alot of damage, just a little to the body but I wrecked my trnasmission |
and use that money toward your deductible thus reducing the amount of your deductible, and yes, this is allowed, not against the law nor is is fraud....as an example you have 3k in damages with a 1k deductible ins. company pays 2k tranny costs 1500 body work is 500 skip the body work thus reducing your deductible to 500 but remembering should you wreck again and have not repaired that body work they won't pay for it again.
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Lori
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| Posted: Thu Jan 29, 2009 3:43 pm Post subject: insurance |
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| I thought once you DO have a Deductable 'in place', on your Insurance policy, you can't change it right in the middle of things? Hope you can understand my question, LORI. |
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sdchargersfan
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| Posted: Thu Jan 29, 2009 6:55 pm Post subject: |
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I just want to clarify teh guy who does the body work here will let me pay later, I just assumed the insurance got the deductible. So all is good.
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Rodney
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| Posted: Thu Jan 29, 2009 11:04 pm Post subject: |
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| Quote: | | I thought once you DO have a Deductable 'in place', on your Insurance policy, you can't change it right in the middle of things? Hope you can understand my question, LORI. |
That is correct SD but you aren't changing the deductible...many times (especially now) an adjuster will find as many appearance allowances or owners will chose not to repair certain things they can live with rather than have to pay their entire ded...
another example....3k in damages (all body work so it won't be so confusing) 1k deductible, ins. company is paying 2k to owner/insured right? ok, well in this 3k in damages is are two h/lamps that are being replaced and each on only has a deep scratch they still look fine and they cost 500k...so the owner says, 'i decided i'm fine with those headlights just they way they are don't replace them.'' so that 1k goes against their deductible now reducing it to zero ON THAT JOB ONLY....
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Lori
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| Posted: Fri Jan 30, 2009 1:34 am Post subject: |
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| Quote: | | However.......when this accident happened, my Insurance company DID say it was NOT a 'No Fault' accident ( I think that's the words they used). How can the accident be ANYONE'S fault when it was just that..an accident.. and I din't hit anyone? |
You did not control your vehicle and is the reason that they would consider it an "at fault" accident. Now if a deer ran out in front of you and you struck it... that would be a different story. |
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Dasfuk
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| Posted: Fri Jan 30, 2009 9:50 am Post subject: |
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| As what Dasfuk said above, the fact that you reacted and tried to do something, thus taking control of the situation made it worse, if you were completely unawares and taken by surprise then you wouldn't have to pay. |
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Ninteen89
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| Posted: Fri Jan 30, 2009 10:43 am Post subject: |
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just an fyi, ''at fault'' means 'chargeable' you will likely see a rate increase for this one.
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