Automobile Insurance

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I caused a small auto accident.

The other motorist's insurance company sent me as its first communication on the matter a letter stating that the damage claim is for $1,268.92.

In the next sentence it says that in an effort to resolve the matter, it will accept $634.46.

In the next sentence it says that there could potentially be additional payments that I am responsible for.

Questions
I thought the other motorist was supposed to get a repair price (or three of them) and submit a claim for the lowest one. How much did the other motorist pay to repair his car and why is he offering to settle for half?

How do I know that the amount demanded is legitimate based on the amount paid to repair the car?

If the insurance company demands more money later how do I know whether to pay it?

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Type: Question • Score: 2 • Views: 2,728 • Replies: 8

[+3] - jespah - 02/07/2019Call your own insurance company (I hope you have one) and report the accident if you haven't already. Turn over all of these communications to them. They will handle all negotiations. If the other...

@gollum,

Call your own insurance company (I hope you have one) and report the accident if you haven't already. Turn over all of these communications to them. They will handle all negotiations. If the other motorist's insurance company continues to call them, refer them to the claims adjuster handling the claim at your insurance carrier.

This is why you buy insurance. This is all a part of the adjuster's job.

1 Reply

@jespah,

jespah-

Thank you.

I don't own a car and don't have auto insurance.

I flew to Florida that day, rented a car, declined to pay a charge for auto insurance for the rental.

2 Replies

@gollum,

I'm only guessing, but if liability is required by state law, I'm guessing the insurance is part of the rental. That is, the only insurance you can waive is collision and/or comprehensive. I kind of hope ehBeth will jump in here. She knows lots of stuff about insurance.

1 Reply

@roger,

roger-

Thank you.

Maybe I am not liable then.

ehBeth, what do you say?

0 Replies

@gollum,

If you don't have your own insurance company for the moment you can ask your friends and relatives to give you some personal reccomendations. I think lawyers know better and can help you

0 Replies

@gollum,

Regarding this you should consult with your insurance company and check insurance policies.

0 Replies

@gollum,

gollum wrote:

I don't own a car and don't have auto insurance.

I flew to Florida that day, rented a car, declined to pay a charge for auto insurance for the rental.

You should probably check with your own insurance company... lol

The reason 99% of people turn down rental insurance when they rent a car is because their personal auto insurance will cover it. In the future, when you rent a car, pay for insurance.

From what you have said here, I would say that you are on the hook for what it costs to repair the other auto, and likely the rental car you had...

1 Reply

@McGentrix,

McGentrix-

Thank you.

I don't have an insurance company. I paid the requested amount.

0 Replies

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