Frank said:
An accident can raise your premiums even though you are not at fault. As
for your deductible, under no fault, will be up to your insurance company to
get it back for you and that could take a long time.
I have realized that espeiclaly the other side's insurance is a small
company compared to mine: Unigard.
You are better off to get settled with offending party's insurance company.
A friend of mine (ina nother city) whom I left a message last night
told me today that when his daughter was involved in the accident and
the other side was making them run around instead of approving the
estimate, they went to a lawyer, paid $125 and got a letter in writing
about the cost of seeing a doctor (neck pain, etc.) + car rental+ one
more thing (which I couldn't hear him well) aside from the estimate
given.
Just before he called me, I ran into a neighbor in the parking lot who
suggested me to go to the doctor - he gave me tips what to say which
coincidentally is what I am feeling now though probably because of
stress - saying that if they want to play hard, you play hard. He's a
military guy.
I left a message to my oldest sister (a physician specilizing in
injury) yesterday about the other side's not taking the responsibility
for repair cost waiting for the police report, ignoring the ticket the
other driver received and my insurance not fotting the bill for the
decutible in the mean time. I am at my sister's place right now; just
asked her to write me prescription for my upperback stiffness and
migraine headaches. She said she would.
Tomorrow, I am going to contact my sister's very close lawyer friend -
he specializes in occupational injury - and ask him to write me a
letter to send to the inusrance company. I'll make an appointment
first, I guess.
When someone totaled my Forester 2 years ago, I had an existing medical
problem, arthritic neck/pinched nerve, and I took time to make sure it was
not aggravated. One of my lawyer sons took charge and got back my
deductible fast and to finally settle up a few months later, I requested and
got extra cash.
If nobody got hurt and responsible party's insurance company covers, you
should not have these problems.
Witht he way the other side is lying through their teeth, it's bad
enough that I am losing time now. With summer classes, I am not taking
a chance to have a runaround and so I'll go ahead and get the lawyer's
letter.
When I was young, my mother, used to call me Indira Gandhi to indicate
that I talked like a lawyer because unlike my older siblings, I would
talk back to her but reasonably pointing out things ..
These people (the liers and theeir insurance) are going to get that
side of me now.
Also had a minor encounter with my garage a couple of months ago and went to
body shop I've dealt with in past who is also approved by State Farm. I
actually convinced body shop that my bumper did not need to be replaced
since it was only scuffed.
Was it scuffed during an accident? Whose fault caused it?
Otherwise if repair went above $750, they would have raised my rates.
Good to know that. I wanted my bumper replaced while the autobody
place wanted to just fix it. All these time, I thought that my
insurance rate would not change since I wasn't the one at fault in this
accident. I am learning a LOT now.
Another interesting thing was that I did not get a
car rental which was on my policy and got $30 ($10/day) for time in shop.
I am taking the car rental. My policy covers 25$ per day for 30 days.
After that if I get rental, I will just ask for reimbursement, I guess.
I am just going to rest (as instructed by teh doctor) and catch up with
up things I need to do at home including packing, calling electric
service, cable, Internet, phone service to be installed in the new
place, accompany my bf to a wedding on Saturday, move this Sunday, and
should be all ready next week (after Memorial day) to get myself in
offensive position which the liers were just asking for.
