Philly Hit and run my Subaru BRZ rear ended

[Tcoat]

Originally Posted by morswestford

I already called a lawyer and evaluating my options. I just wish they would resolve my claim and not drag this out. I even sent them a video of them hitting me. I shouldn't have to my pay my deductible. and go through my insurance. They should pay me for the damages and just fix my car.
It's possible my insurance could possibly get my deductible back through a process called subrogation but that process could take months and there is even a risk they may not be able to recover it. Why go through the risk.

Maybe I am confused. You are saying that your insurance company would charge you deductible and pay to repair your car?
Maybe different there but for a not at fault here I would just call my insurance up, tell them what happened and give them the insurance info for the other guy. They would chase the other company down to pay. They would not pay for the repairs nor charge me deductible but just do the leg work for me.
Now, if I didn't know who hit me THEN they would pay the repairs and charge deductible.

[Summerwolf]

How much damage was actually done? Is there more than your deductible?


While I agree it sucks to get hit, especially when it is a nice car and everything.... it sounds like you just don't want to spend the money on your deductible. While I agree you SHOULDN'T have to, I wouldn't want my car being driven while damaged.


You know what your options are. Do something about it. The world is never fair.

[Summerwolf]

Originally Posted by Tcoat

Maybe I am confused. You are saying that your insurance company would charge you deductible and pay to repair your car?
Maybe different there but for a not at fault here I would just call my insurance up, tell them what happened and give them the insurance info for the other guy. They would chase the other company down to pay. They would not pay for the repairs nor charge me deductible but just do the leg work for me.
Now, if I didn't know who hit me THEN they would pay the repairs and charge deductible.

That's how it has always worked in my experience.

[morswestford]

correct even if you are not at fault. if you go through your own insurance you still have to prepay your deductible. which they then try to 'recover' back for you through a process called subrogation. however it's a risk because if they have a min amount of coverage. they may not be able to recover it. and i don't want to be out thousands of dollars for my deductible, that's absurd.

Originally Posted by Tcoat

Maybe I am confused. You are saying that your insurance company would charge you deductible and pay to repair your car?
Maybe different there but for a not at fault here I would just call my insurance up, tell them what happened and give them the insurance info for the other guy. They would chase the other company down to pay. They would not pay for the repairs nor charge me deductible but just do the leg work for me.
Now, if I didn't know who hit me THEN they would pay the repairs and charge deductible.

[Summerwolf]

Originally Posted by morswestford

correct even if you are not at fault. if you go through your own insurance you still have to prepay your deductible. which they then try to 'recover' back for you through a process called subrogation. however it's a risk because if they have a min amount of coverage. they may not be able to recover it. and i don't want to be out thousands of dollars for my deductible, that's absurd.

Thousands of dollars deductible?

[morswestford]

i have a $2k deductible. and yes the damage is much more than that.
my carbon fiber rear diffuser is all cracked. my bumper is entirely bent. my tow hook is bent, my perrin exhaust system is completely bent and making weird exhaust noises. and that's just the visible damage. who knows what more damage lies under the vehicle. the only way to see the damage is by removing my rear bumper. so yes, you damn right i don't want to go through my own insurance and pay my high deducible. that's lunacy.

Originally Posted by Summerwolf

How much damage was actually done? Is there more than your deductible?


While I agree it sucks to get hit, especially when it is a nice car and everything.... it sounds like you just don't want to spend the money on your deductible. While I agree you SHOULDN'T have to, I wouldn't want my car being driven while damaged.


You know what your options are. Do something about it. The world is never fair.

[Summerwolf]

I had no clue 2K deductibles were even allowed. What insurance company do you have? Did you get an agreed value on all those parts through them?

[morswestford]

progressive

Originally Posted by Summerwolf

I had no clue 2K deductibles were even allowed. What insurance company do you have?

[Summerwolf]

Well, hopefully you get it taken care of somehow. Good luck!

[morswestford]

i have $5k in custom parts coverage, the limit. so i should be good if i went through my own insurance so they could replace my custom equipment.

Originally Posted by Summerwolf

I had no clue 2K deductibles were even allowed. What insurance company do you have? Did you get an agreed value on all those parts through them?

[extrashaky]

Originally Posted by Tcoat

Options:
Get a lawyer (big bucks)

Not necessarily. With accidents, attorneys often work on contingency and don't get paid unless you get paid. They tend to get higher awards, so it comes out equal in the wash. Last couple of times I consulted attorneys, they just gave me some advice and didn't charge me anything at all.

Originally Posted by Tcoat

Maybe I am confused. You are saying that your insurance company would charge you deductible and pay to repair your car?

Usually in the US, if you file a claim under your own comprehensive insurance policy and the insurance company agrees to fix it (rather than total it), you pay your deductible, and the insurance company pays to fix your car. Then your insurer turn the case over to its subrogation department to pursue reimbursement from the other insurance company. Most insurance companies will also attempt to recover your deductible on your behalf, but they may or may not fight that hard for it.

When a stupid piece of shit ran a red light and hit my Jeep, I filed with my own insurance company (Geico). The way they handled it was to pay the body shop directly, minus my $500 deductible. Then I paid the body shop my $500 to get my Jeep back. However, the other insurance company (Liberty Mutual) accepted liability with Geico's subrogation department and paid Geico my deductible, which Geico then "reimbursed" to me before I even had to pay it to the body shop. So I was out nothing for the repairs themselves. Then Liberty Mutual "lost" the claim, then said that Geico never filed a claim with them. Geico ended up suing them for it to get back what they paid out.

morswestford, if you go through your own insurance, yes, you'll have to pay your deductible, but your insurance company may be able to get it back for you like mine did. If the other company refuses to pay it, this is an open and shut small claims case as long as you have all your documentation in order. You just sue them for it and get it back.

By the way, you should have gone to a doctor for your neck pain. It makes most people feel dirty to do that when it really doesn't hurt that bad, but the awards in personal injury cases can be so high that having a personal injury claim in addition to the property claim get the insurer's attention and makes them MUCH, MUCH easier to deal with. I had one accident where I had back pain afterward, and the difference in the attitude from the adjusters was night and day.

[djsyndrome]

Originally Posted by Summerwolf

I had no clue 2K deductibles were even allowed. What insurance company do you have? Did you get an agreed value on all those parts through them?

Just because something is allowed doesn't mean it's a good idea.

[NahumCC]

Go through insurance and bite the bullet to get the process started. Anything that doesn't get recouped by your insurer you can then just file a civil suit and deal with it that way.

A 2k deductible is crazy if you live/work in a major populated area. The risk/reward calculus there just doesn't make any sense. 2k is a mortgage payment.

Just watched the video to and thats crazy someone with a last gen 9-5 would have crappy insurance.

[fumanchu1]

Originally Posted by morswestford

i have a $2k deductible. and yes the damage is much more than that.
my carbon fiber rear diffuser is all cracked. my bumper is entirely bent. my tow hook is bent, my perrin exhaust system is completely bent and making weird exhaust noises. and that's just the visible damage. who knows what more damage lies under the vehicle. the only way to see the damage is by removing my rear bumper. so yes, you damn right i don't want to go through my own insurance and pay my high deducible. that's lunacy.

The first question should be wtf do you have a 2k deductible policy for? That is literally the worst deductible I have ever heard of.


First lesson learned here should be get a decent insurance coverage so if something like this happens again your deductible isn't covering most of the damages