Advice on handling an insurance claim

Discussion in 'General Chat' started by MNMLST, Apr 18, 2012.

  1. MNMLST

    MNMLST New Member

    Apr 16, 2012
    9
    2
    0
    Ratings:
    +2 / 0 / -0
    I know this topic is not in the same category as the entertaining musings common in this subforum. But I can't think of a more appropriate subforum, so here it goes. I will post this in bullet format, spare you the minutia and keep this short to discourage pleas of TL;DR. I will provide details as necessary.

    I was under the impression that if...
    - you're car is hit while parked
    - there is an eyewitness to the incident
    - there is evidence of paint rubbing on the other vehicle
    - there is a police report
    - the other party provides insurance info.

    ...the other party is automatically held responsible of damages incurred.

    Other pertinent details:
    - the driver was not the policy holder and refused to cooperate, prompting police involvement
    - I have no contact info. for the eyewitness, but I do have a note.

    I have filed a claim weeks ago. But, the other party's insurance placed my claim "on hold" because they haven't gotten a statement from the policyholder. I have reason to suspect that other party is just dodging the insurance company. To this the insurance company said,

    "In the event the policy holder fails to cooperate, claims may be denied."

    REALLY?!!! :mad5::incazzato:
     
  2. Nathan

    Nathan Founder

    Mar 30, 2009
    25,144
    10,032
    113
    Writer
    Short North
    Ratings:
    +10,049 / 0 / -0
    Have you contacted your own insurance company?

    Usually they will tell you get it fixed on their own dime then go fight with the other persons insurance to get relief.
     
  3. Minidave

    Minidave Well-Known Member
    Lifetime Supporter

    Dec 22, 2009
    5,187
    3,511
    113
    Male
    Overland Park, Ks
    Ratings:
    +3,916 / 1 / -0
    Your insurance company will repair your car, then go after the other guys.....let them.

    That's what you pay them for.....
     
  4. Crashton

    Crashton Club Coordinator

    Jun 4, 2009
    19,048
    9,600
    113
    Retired old fart
    Hooterville Ohio USA
    Ratings:
    +10,832 / 2 / -0
    ^ Nathan gives good advice. Have your insurance provider pay for your fix & go after the other guy's insurance.
     
  5. MNMLST

    MNMLST New Member

    Apr 16, 2012
    9
    2
    0
    Ratings:
    +2 / 0 / -0
    Thanks for the replies so far.

    My insurance co., Geico, did offer me that option, but I didn't want to fork the deductible. Why should I spend a penny? It's their fault.
     
  6. Crashton

    Crashton Club Coordinator

    Jun 4, 2009
    19,048
    9,600
    113
    Retired old fart
    Hooterville Ohio USA
    Ratings:
    +10,832 / 2 / -0
    You will get your deductible back when Geico gets paid. Yes Geico will get paid.
     
  7. Johngo

    Johngo New Member
    Supporting Member

    May 18, 2010
    1,671
    200
    0
    Art Director
    Sugar Hill, GA
    Ratings:
    +200 / 0 / -0
    Just went through something similar with a psycho SUV driver. Sat on "hold" for two weeks with NOTHING getting done on my car because the crazy b*tch thought she was going to fight me on it... Got my deductible back and my attorney is now going for blood since she has since gotten two speeding tickets and another accident under her belt.

    Let your insurance co. handle it. You will get your $$$ back.

    Good luck with it.
     
  8. Jason Montague

    Jason Montague New Member
    Lifetime Supporter

    Jan 5, 2010
    6,134
    1,587
    0
    Physician Assitant (retired)
    Sherman,Tx
    Ratings:
    +1,587 / 0 / -0
    :cornut: WOW! Johngo. You need to write that up for a TV Sitcom script.:Thumbsup:

    Jason
     
  9. goaljnky

    goaljnky New Member

    Apr 7, 2009
    3,105
    392
    0
    LaLaLand, Left Coast, Overpopulated and Underfunde
    Ratings:
    +392 / 0 / -0
    Yeah. Maybe the judge will make her his butler.

    /Seinfeld reference.
     
  10. eMINIparts

    eMINIparts Well-Known Member
    Motoring Alliance Sponsor

    Mar 13, 2012
    3,751
    1,087
    113
    MINI Parts Advisor
    Bedford NH
    Ratings:
    +1,090 / 0 / -0
    Anytime we can get a Seinfield reference that is a Thumbs up :)

    And for a responce. That is why you have insurance so use it. Yes paying the deductible is a pain but fighting the other insurance company is a bigger pain. Let GEICO fight for you that is why you pay every month let them fight and you will eventually get the deductible refunded. Better to do that and get your car fixed than fighting and still have a crashed up car sitting there. Just think you could be out now MOTORING.

    Good luck to ya
     
  11. MNMLST

    MNMLST New Member

    Apr 16, 2012
    9
    2
    0
    Ratings:
    +2 / 0 / -0
    Your resounding advice has been noted.

    But, at least for now, I intend to fight. It's a matter of principle, I'm afraid. My $500 should stay in my rainy day fund where it should be, not wagered in a battle between insurance companies.

    Good thing my Mini only sustained body damage and still runs perfectly.


    :lol: In my case, I wish I could, but given how clumsy the other driver is... :lol:
     
  12. MNMLST

    MNMLST New Member

    Apr 16, 2012
    9
    2
    0
    Ratings:
    +2 / 0 / -0
    #12 MNMLST, Oct 4, 2012
    Last edited: Oct 4, 2012
    UPDATE

    I quit being stubborn and followed your advice to file the claim with my insurance co. rather than with that of the other party. Geico wasted no time to set me up with a preferred local body shop and within less than a week repairs were completed. However, I had to pay the deductible out of pocket. I wasn't happy about that. It is Geico's policy to recover their losses. But, given that they only covered 25% of the total cost of repairs, I doubted that they'd waste any effort to recover it.

    Just when I had lost all hope, I receive a check in the amount of my deductible from Geico. It took nearly 5 months, but they came through.

    After the accident, I don't see my Mini quite in the same way I used to. The magic is gone. I know it has been violated and that bugs me. But recovering my deductible make the accident easier to live with.
     
  13. Dave.0

    Dave.0 Helix & RMW Powered
    Lifetime Supporter

    May 4, 2009
    25,023
    13,489
    113
    Burbs of Philly, PA
    Ratings:
    +14,635 / 10 / -4
    Glad everything worked out and you got your money back.
     

Share This Page