Submitted by Impossible-Cry-495 t3_127nvcx in personalfinance
myispsucksreallybad t1_jef2ju0 wrote
Hell no that isn’t normal. They are trying to have you pay your insurance deductible and have your insurance pay for the repairs, which in turn would make your rate go up.
Your insurance likely wouldn’t even pay it out if they knew there was another person (with insurance) at fault.
The at fault driver’s insurance is who has to foot the bill, you don’t even owe a deductible.
golyadkin t1_jefg3tu wrote
OP should forward this offer to their own insurance company.
TriscuitCracker t1_jeg4656 wrote
This. I would love to see their response.
stlhockeyman777 t1_jefedk1 wrote
OP’s insurance being required to pay for the damage if prompted to by OP is tied to whether OP has collision coverage on the policy and not tied to whether other driver was at fault. They would pay it minus deductible and likely subrogate and try and get deductible back to OP.
myispsucksreallybad t1_jefsuws wrote
They have the option to use their own insurance to speed it up, then they (op insurance) just have to hope the at fault insurance doesn’t try to say it wasn’t their fault, which definitely happens. Your word vs theirs bs they try to pull all the time.
WhatIDon_tKnow t1_jefeg8s wrote
>The at fault driver’s insurance is who has to foot the bill, you don’t even owe a deductible.
fwiw, depending on timing and stuff, if you go through your insurance you might pay your deductible and later be reimbursed for it. that happened to me once.
helonoise t1_jefex8u wrote
Collision coverage is available regardless of who's at fault. The insurance carrier will subrogate and try to recover, including the deductible. Deductible is due regardless of who's at fault too.
inlarry t1_jeflj7t wrote
>Collision coverage is available regardless of who's at fault
Yes, assuming OP carries that coverage.
>Deductible is due regardless of who's at fault too.
Only if OP uses their own policy to cover the repairs. There's no deductible if you use the at-fault party's policy.
Impossible-Cry-495 OP t1_jegjtbn wrote
I do have collision, yes.
pbecotte t1_jefobr0 wrote
Op wouldn't have a deductible to pay if they didn't have collusion coverage
[deleted] t1_jegyaor wrote
[removed]
JHtotheRT t1_jefxa9s wrote
Haha no your insurance won’t pay this, but if you have comprehensive insurance they hopefully will go and get the money that you are owed from the other driver’s insurance
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