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fashionably_l8 t1_j6kjr70 wrote

Reply to comment by SereneFrost72 in Other person's car insurance may not cover my car repair, even though they backed into my parked car? by SereneFrost72

I would go through your insurance company. If your insurance pays for the new bumper, your insurance gets payed back by the other guys insurance. I imagine they will be much more likely to put effort into getting their money back than getting money for you.

I don’t see how you would get reimbursed going forward if your car is already paid for and it wasn’t your cash.

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SereneFrost72 OP t1_j6kjz9c wrote

The issue is that I have a pretty high deductible. I can certainly afford to pay that deductible, but wouldn't I then be out that cash until my insurance company gets paid by the other company?

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fashionably_l8 t1_j6kkqp1 wrote

That’s true. I guess since it is just a bumper, the deductible might be pretty close to the whole cost huh?

I’d maybe ask how long you can keep that option open. If the other insurance company starts dragging their feet (like they need more time after this month) I’d get your own insurance involved however you can. They should be advocating for you even if their own money isn’t on the line. But I guarantee they will if it is their money.

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SereneFrost72 OP t1_j6klffp wrote

I don't have an estimate yet, but yeah, I imagine the cost will be close to the deductible.

I'm going to wait a week or 2 and see what happens with the other insurance company. At a certain point, I'll need to make a determination on if I go through mine then. Thankfully, it's quite a minor crack in the bumper, so the car is perfectly drivable, so I have the luxury of time

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SaturdayRegrets t1_j6mii9l wrote

>They should be advocating for you even if their own money isn’t on the line. But I guarantee they will if it is their money.

OPs insurance can't and won't do anything unless damages exceeds his deductible and he files a claim with them.

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maaku7 t1_j6lvep1 wrote

If the other person is at fault your deductible shouldn't enter into this.

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