Quote:
Originally Posted by Superhatch
I called my insurance company first thing. Since it seemed pretty cut and dry their suggestion was to not file a claim and just work through the other lady's insurance, which is what I'm currently doing. I plan on calling my agent today and updating her. My concern is that my car has potentially lost a lot of value, and I won't be reimbursed for it because it still drives just fine.
Anyone who drives the car will note that it drives like normal and I wouldn't want to commit insurance fraud to get this covered.
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Your insurance company is doing the right thing by you. The reason they sent you to the other persons insurance is because it is a cut and dry case. If you go through your own insurance company you are subject to a deductable. Your insurance company will try to get that deductable back for you but it could take months if not years. So, you go directly through her insurance company and they take care of everything. Also, they are required to provide you with a rental car while your vehicle is being repaired. If you ask for it of course. If you went through your own insurance company, you have the deductable, then you only get rental if you selected this coverage when you got your policy. Most people don't have rental on their own policy even though it cost like $10 more every six months.
So, your insurance agent was doing right by you. If you run into problems with her company, you can always file a claim with your own company later. Best bet is to try dealing directly with her company first. Good luck to you!
And yes, no company will cover loss of value. That is why many people don't file claims for small items as they will show up on CarFax when it is time to sell as well as possibly raising insurance rates on next renewal. Also, many people dont keep their car after accidents due to the loss of value. I wish I had traded my last car in as soon as it came back from the body shop. I got killed when I traded it last month.