The Insurance Company of the Driver At Fault for an Accident Should Always Pay to Get the Other Person’s Car Fixed.
Q: I was recently in an accident where another driver pulling out of a parking lot hit me while I was driving. My insurance company is not being helpful in explaining whether or not my insurance rates will go up if I report the claim and I need advice as to what I should do.
1. Fix the repairs myself and not report it?
2. Report the car accident to the other person’s insurance?
3. Report the accident to my insurance?
A: First, let me start off with a disclaimer. We are not license insurance agents or claims adjusters, the opinion that I am about to give is based on my experience in the insurance field and should not be taken as official or legal advice.
Now, with that being said I would take option number 2.
Your insurance company is being vague about your rates going up because the customer service rep you talked to is protecting themselves from committing as to what will happen in the future with your premiums. They don’t want to get in trouble for telling you something wrong and have a lawsuit result from bad information given. Trust me; I answered this question at least once a day like this when I was a customer service rep.
If the accident was really not your fault the other person’s insurance company has the legal obligation to pay for the damages to your vehicle. By going directly through the other company you will not have to pay your deductible to get your vehicle fixed, but you will be at the mercy of the other insurance company as to when they decide who is at fault for the accident.
Yes, your insurance company will eventually find out about the accident after they pull your CLUE report and find it on there. But, it should be listed as a “not at-fault accident” and should not be charged against you, regardless of how much the claim ends up being. If your insurance company does raise your rates after an accident that is not your fault and they didn’t pay anything for you to get your car fixed, you seriously need to be looking for a new insurance company.
Trackback from your site.