tophopper
The resident asshole
Rest assured, it'll never happen again. They've graced you once.
Insurance and deductibles
- Thread starter NickfromWI
- Start date
- Replies 43
- Views 3K
That's really weird, Nick, but I'm glad you won...sorta won? Weird that there's supposedly a set policy, yet somehow it's negotiable? WTF?
It seems like a small claims suit against the at-fault driver for the amount of your deductable might be legal recourse, or is that not a claim you can use in sm. claims???
It seems like a small claims suit against the at-fault driver for the amount of your deductable might be legal recourse, or is that not a claim you can use in sm. claims???
top_notch
Treehouser
If its the other drivers fault, they should cover all of the expenses...right? Maybe the other driver didn't have enough coverage? I thought that you only pay your deductible if you do something wrong or the other person hit and runs or doesn't have insurance.
MasterBlaster
Administrator Emeritus
It's all a can of worms with turds inside.
top_notch
Treehouser
NickfromWI
King of Splices
- Thread Starter Thread Starter
- #31
This is exactly how I thought it worked. I assumed by her fancy BMW, Beverly Hills address and the fact that I only ever talked to her assistant after the accident that they got the money to have nice insurance.
But I also know that she hopped out, was very apologetic, immediately took full blame...but then later in talking with her insurance rep they said she said it was all our fault. Her story changed and DAMN I wish I had my iphone on video record. Next time, Gadget. Next time.
Either way. I won. I'm'a get me a new door now.
top_notch
Treehouser
Did you not get a police report stating she was at fault? How can someone hit a parked car and not be at fault?
lumberjack
Young man on the go
Liability insurance has no deductible. Collision, Comprehensive, and Underinsured/Noninsured have deductibles.
CurSedVoyce
California Hillbilly
Often times, to expedite your repairs, an isurance company will run the claim through your collision while they settle with the other insurance company.. But what they did was a tad out of line. They should consult you first.
wiley_p
Climbing Up
I love this. You were confused about what deductible meant in your policy, and in return the insurance company gives you a check for it. I mean, I am happy for you and all, it is just funny that you got rewarded for it.
wiley_p
Climbing Up
Nick, in your mind what did you think the deductible meant when you got your insurance?
Cobleskill
Treehouser
In NY state the other drivers liability would pay if they were at fault. Deductible if your company pays. Is that not the case in CA?
MasterBlaster
Administrator Emeritus
It SHOULD be the case EVERYWHERE.
lumberjack
Young man on the go
I think the majority of this thread in i stems from confusion.
Tucker943
Bamboo Plantation Owner
Drop progressive commercial. They suck. Better coverage to be had at comparable or lesser rates. I had them for 6 years. Directly. Called an agent for quotes to take over my insurance. He got me a quote for 30% less annually for higher limits. Guess from who? Progressive. That's how they roll. Just because an inqouiry was made with me as a "new" customer through the agent, they came in much cheaper. But having ppaid out the nose with them for 6 years they wouldn't cut me a break on shit. Hit a deer once and had to deal with them. it was a catastrophe.
NickfromWI
King of Splices
- Thread Starter Thread Starter
- #41
The deductible is the amount that I have to pay in an accident that I cause or if it is impossible to find out who caused the accident. I still cannot believe that I have to pay for damage that you do.
love
nick
love
nick
MasterBlaster
Administrator Emeritus
Nor I.
NickfromWI
King of Splices
- Thread Starter Thread Starter
- #43
They weren't kidding! This was in today's mail
love
nick
love
nick
