by kathirelango » Mon Nov 26, 2007 11:16 pm
My car involved in a minor accident. I have full coverage insurance with Mercury. $250 is Deductible.
The fault is on the other driver who kits my car. She has AAA insurance. We did not report to Police. Because, she admits her fault, no injury and gave her details of residence, insurance etc.
My insurance (Mercury) called for an 15min interview. I explained in detail. They also called the other driver. At first time she postponed. Next time she refused to give her interview. According to Mercury representative, she was told not to give any interview to Mercury by her insurance (AAA). Mercury also said, she is not ready accept her fault now.
Mercury is forcing me to fix the car by paying the Deductible.
What should I do?
The fault is on the other driver who kits my car. She has AAA insurance. We did not report to Police. Because, she admits her fault, no injury and gave her details of residence, insurance etc.
My insurance (Mercury) called for an 15min interview. I explained in detail. They also called the other driver. At first time she postponed. Next time she refused to give her interview. According to Mercury representative, she was told not to give any interview to Mercury by her insurance (AAA). Mercury also said, she is not ready accept her fault now.
Mercury is forcing me to fix the car by paying the Deductible.
What should I do?
Posted: Sat Dec 27, 2008 12:56 am Post Subject: insurance
Actaully, LORI..I din't know that, either!! You DON'T have to pay the Deductible to the OTHER 'party?!
Posted: Sat Dec 27, 2008 12:39 pm Post Subject:
No, there is NO deductible on the liability portions of your auto policy...the only deductible are on comprehensive, and collision coverage (damage to YOUR vehicle)
Posted: Tue Dec 07, 2010 08:33 pm Post Subject: deductibles.
I met with the minor accident. I have 1000$ deductible.The other car has minor dent. Both cars are drivable and no one got hurt.
The repair of my car costs me about 500. The cost for the other car may be 1200.(rough estimate).
I reported the matter to the insurance. We gave our own statement and we do not know who is at fault.
Do I need to pay my deductible to repair the other car?
Any suggestions??
Thank you
Posted: Wed Dec 08, 2010 12:08 pm Post Subject:
Do I need to pay my deductible to repair the other car?
NO. You pay the deductible as it applies to damages to your own car.
Posted: Sun Dec 12, 2010 11:23 am Post Subject:
so i was backing my truck up, and ran the side of it into a pole. No damage to the pole...but the right bed panel is pretty messed up, as well as the running board. The insurance policy is my father in law's, and although he doesnt have any claims at all (and he has been a geico customer for 7+ years) he doesnt want to file a claim because he is convinced the insurance will go up. The truck has full coverage and also has accident forgiveness. So, I am stuck paying for this out of pocket. The question is, will I have to pay in full for the repairs, or are body shops usually willing to work out a payment plan? Im getting an estimate tomorrow but Im betting the damages are at least $3000
Posted: Mon Dec 13, 2010 04:46 pm Post Subject:
I'm confused. You say you were backing up "MY TRUCK" but then you state the insurance policy is "MY FATHER-IN-LAW'S". Please explain how this could be.
What insurable interest does your father-in-law have in your truck? Or is this really HIS TRUCK, and he lets you use it?
You could be thousands of dollars ahead if you convince your father-in-law to file the claim and agree to pay any increased premium that results, as well as the collision deductible.
You'll save yourself a lot of future grief if you get your own insurance on "your" truck.
Posted: Wed Mar 02, 2011 07:45 pm Post Subject: who has to pay the deductible
I mean no offense to anyone in the post lineup, but those who keep stating "Call the police" or "You should get a police report for any minor accident" and "That would have made a difference" etc, all of these statements are incorrect and inaccurate. Police reports are only useful in injury collisions and typically very severe ones. I am a police officer and I can't tell you how difficult it is to explain to people that police reports DO NOT determine fault, insurance ADJUSTERS determine fault and police do NOTHING except give each driver the OTHER driver's information and to be honest it is a drain of police resources to respond to an info exchange. I'm sorry we can't help more, but its a "Civil problem" between drivers. NOT a police governed issue, therefore the police do not have the power the insurance adjusters and civil judges do and a police "Report" means nothing in a non-injury accident. In the event of a crash, pull OUT of the roadway if possible, exchange info and go home and notify your insurance.
Posted: Wed Mar 02, 2011 07:52 pm Post Subject: My In-Laws Truck
Well AnGall, it's simple. If your in California, let your father in law that when they made driving with auto insurance a mandated law in CA., they also required the insurance company to give one free ticket/accident every 5yrs (It's 3 or five i can't remember, but theres automatically "Accident forgiveness" in CA) so to speak and his premiums will not rise from your pole grinder as long as he has no negative history.
Posted: Wed Mar 02, 2011 07:54 pm Post Subject: Body Shop
Body shops are typically privately owned, so there is not direct answer available for you. Some body shops actually will finance you on a payment plan for bodywork. For a while a place called CarCoa would do bodywork and hold financing for 18months. But it's shop specific. Hope that helps.
Posted: Mon Mar 21, 2011 09:17 pm Post Subject: deductable
i was hit by some one there insurance wastryig to reach me to find out what happened because that party got the ticket do i have to pay my deductable or should i go to my lawyer and have them settle that
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