Quote:
Originally Posted by whaap
I retired after 25 years of handling automobile insurance claims and I will try to explain something to you and I hope you will understand.
When a person takes out an insurance policy he is paying money for protection in the event he should become liable for an amount of money because of his negligence. The policy is his to use if and when he wants to use it. The insurance company has an obligation to only one person and that is their policy holder. If he doesn't want to make use of his policy that's his business. Think if I was to make up a fictitious police report and go to your insurance company, claim you backed into me and they gave me a check and raised your rates! You'd really be pissed at insurance companies then wouldn't you?
The simple way to handle this is to not get bent out of shape. Go to your own company. Pay your deductible and let them handle the matter. They will turn around and subrogate against the other guy and his company for the amount of money they're out and also for your deductible. From your companies point of view the claim should not be a bad mark on your policy. It would be considered a non chargeable loss and should have no impact on your insurance rates. Double check with your agent and he will ease your mind.
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I agree with this assessment with one exception. Do not expect to get your deductible back! I have had two accidents that were not my fault in my 40 years of driving. In both cases I paid the deductible with promises from the company that when the claim was resolved with the other insurance company that I would be reimbursed. In both cases in never happened despite me calling on a monthly basis for two years each time. Good luck to you.