by Guest » Wed Mar 05, 2008 02:11 pm
Hi All,
I got questions for anyone or experts in auto insurance. My brother was involved in an accident a week ago. It was snowing pretty bad and my brother hit a lady in front of him who was trying to avoid another collision in front of her. She slammed the brakes and she was able to avoid the collision and my brother was not so lucky so he end up tapping her. She didnt have any damage on her car but my brother was left with cracked bumper. My brother reported to her insurance company since she suggested to call her insurance if there is any damage. Her insurance adjuster left a voicemail and said to fax the estimate of the damage. At this point, we were glad as we assumed she would handle the responsibility of this accident. We were gonna fax her the estimate today until we received a phone call from her stating that we should claim to our own insurance. Basically, she was telling us that it is not her client's fault that her client was only responsible for her own vehicle when she was trying to avoid the collision in front of her. In other words, its not her client's fault.
So who is at fault then? what did she want to have the estimate in the first place?
Can anyone help? Thank you.
I got questions for anyone or experts in auto insurance. My brother was involved in an accident a week ago. It was snowing pretty bad and my brother hit a lady in front of him who was trying to avoid another collision in front of her. She slammed the brakes and she was able to avoid the collision and my brother was not so lucky so he end up tapping her. She didnt have any damage on her car but my brother was left with cracked bumper. My brother reported to her insurance company since she suggested to call her insurance if there is any damage. Her insurance adjuster left a voicemail and said to fax the estimate of the damage. At this point, we were glad as we assumed she would handle the responsibility of this accident. We were gonna fax her the estimate today until we received a phone call from her stating that we should claim to our own insurance. Basically, she was telling us that it is not her client's fault that her client was only responsible for her own vehicle when she was trying to avoid the collision in front of her. In other words, its not her client's fault.
So who is at fault then? what did she want to have the estimate in the first place?
Can anyone help? Thank you.
Posted: Tue Mar 11, 2008 05:53 pm Post Subject:
Lori,
Sorry about the delay. I've been very busy at the shop lately.
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My comment:
According to my Insurance Agent/Broker some insurer's will use an simple Inquiry of a potential accident scenario as though it actually occurred.
In my comment I was referring to *Indirect* premium rate setting. What they "plug into" their unique rating algorithm or premium calculations.
From what I can make of your response, its prohibiting *Direct* surcharges. Not data used to calculate general rates.
But then... maybe I just don't understand insurance OR law. :( Being that I just Fix Cars. :)
FK,
Posted: Tue Mar 11, 2008 08:45 pm Post Subject:
In my comment I was referring to *Indirect* premium rate setting. What they "plug into" their unique rating algorithm or premium calculations.
I'm sorry FK, I don't know what these are (the highlighted one)...oh oh wait a minute...i think ''maybe'' what you are talking about (crap it just dawned on me) is when a ''new'' prospective insured/client comes in requesting a quote? If that's what you mean ok, I can 'kindof' understand that...they way you said it (re: in the claim file) I took it to mean an established insured, and there is no way any company can generate a rate increase on a non-payment claim....if indeed that is what your friend was talking about i can get that...some agents (i have a good friend that did this) that are established, just don't ''want'' certain insured's...and will price them right out the door...(for good reason many times, if their loss ratio affects their pay/bonus).....ask and see if this isn't what he's referring too rather than an established client....an agent cannot generate a rate 'increase' to my knowledge anywhere, but they certainly can quote 'high' rates... :lol:
Sorry about the delay. I've been very busy at the shop lately.
Tell me about it! I've been buried for three months, I don't know what in the world is going on! :shock:Add your comment