by les 2 » Thu Oct 16, 2014 02:00 pm
Again question about my brain damaged nephew. To reiterate: He was in head on collision caused by a driver who pulled out from a side street hit him on the passenger side and pushed into the oncoming traffic. The driver of the other car was cited as her fault. Both driver's have same insurance company. Is that a plus or minus. Logic told me that no fighting between 2 companies is good. But a doubt came to mind as there is not another company to fight for my nephew.
Posted: Fri Oct 17, 2014 02:17 am Post Subject:
Not too much of a difference. A different adjuster needs to handle each loss and each adjuster is _required_ to look out for their insured over the other person. What you will find is that each adjuster will somehow arrive at an agreement as to how the liability should be determined.
What many insurance companies will do when it comes to the property damage is if a vehicle has collision coverage they will just waive the deductible for _either_ party and pay the full amount of those damages under collision. This way they avoid any conflict of interest.
Posted: Tue Oct 28, 2014 01:16 am Post Subject:
A collision involving two or more vehicles, each of which is insured by the same company, might as well be thought of as a collision involving two or more vehicles each of which is insured by a different company. The only break you may receive is a waiver of the collision deductible.
But a claim against the at-fault driver remains the same, the insurance company could deny the claim for whatever reason it chooses, if it does not believe its insured is liable for the collision. Like any other third party tort, you do not sue the insurance company, you sue the negligent party.
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