I'm not exactly sure how that works.. but i've gotten hit by people and they write the check themselves in order to fix the damage. I think the insurance company normally deals with other insurance companies. But when i got into an accident with my Ford, we just exchanged paper information. And went our way and from there i filed a claim to my insurance who then call her insurance and we sorted out stuff from there.

 

Okay, I've heard of people handling it with each other w/o any insurance at all & believe this was mentioned in this post... I suppose it's possible but WOULD NOT recommend it... That's sketchy & you never know if they're giving you fake ph#'s checks that will bounce, etc...

Insurance Rambling warning!!!:

As far as going through the other party's insurance you got it...
If they accept 100% liability then they will have no reason to contact your insurance company & would not need to...

However if they run certain programs such as things like the NICB (National Insurance Crime Bureau) it would be viewable in a database, if they report your accident to this database...
Odds are your carrier would not do this & does not have the right to change your premium based on a claim they had no involvement in...

As far as getting a check from other carrier... You just report it to them... Make sure you have a police report... Official police report, not just the incident report...
If they find their insured 100% at fault then they should mail you the check, or you & the body shop you're getting repairs done at, etc... (depends on situation & what law govern your state as far as insurance is concerned)

Even if you're found 80% liable for the accident the company will then issue you a check for 80% of the cost to repair the veh... So you can accept that & just cover the difference to avoid getting your insurance co. involved... this also depends on state laws as far as insurance is concerned...

 

One of my best friends is a state farm agent. He told me that in most states an accident will only stay on your record for 3 years. I would rather pay an extra $900 a year for three years, a total of $2700 plus the deductable, then $5-6,000. Reporting this will not "screw you" untill you are twenty five. It is saving you a couple thousand dollers.

 

This is true!!! It does depend on the insurance co...
But there are alot of things that go into effect...
I've heard of people being dropped after one accident...
I myself got into an accident I was not at fault for & my premium did not go up at all... It depends... Have your parents talk to your agent & find out if the premium will go up & a close number to how much it will go up...

They can't increase your premium for just asking, so...

 

If you have an Ins. Co that is worth a damn you will not get dropped after one claim. That is why you pay them.

 

Well lets see i got it looked at by the Body shop.. 4Grand so far just by looking at it. The guy said it would be worse when he opened it up and stuff. So it looks like i'm putting in a claim because i can't afford anymore than 3500$. I'm going to file a complaint to the town for bad road conditions because another guy in my town did the same thing i did except he only had a dent on his bumper <Bronco>. The cop that took the report is on my side, so maybe something will help me out a bit. But yea i'm waiting on the body shop for the full price of damage and everything, wish me luck
-Lee

 

well especially if it's a phone pole (installed by the city/county) there should have been some engineering studies done to anticipate potential collisions. Now that you've established a history of accidents on that turn, you should at the very least be able to get the city to move the pole

 

move the pole.. no money? lol

 

Good luck trying to fight the city, everytime it rains here i can count on someone spinning off the highway into the center gaurd wire separating the highway in the same place. poor drainage and no lighting coming over the over pass = bad news. i tried to fight it whe n i crashed my pickup, they said i was going to fast and charged me $600 per pole that i had bent over, $12 for a roll of film and another $1500 to pay the crew to "investigate the crash".

 

My friend had Allstate & rear ended someone NO DUI, not even ticketed but there car was totalled... They dropped him...

Insurance companies look into how much of a "risk" it is to insure someone due to area you live in, traffic in that are, veh. garage kept, how far you drive to/from work, is there a lot of traffic there... Possibility for flood/hail/vandalism/theft claims in abundance in that area...

If a company decides after one loss that it's too high a risk to insure someone no matter what co. they are they will drop that person... It's a business decision...

 

Well insurance is going to cover everything i guess, so need for spare parts. Because either way my surcharge on my insurance just went up 900$ since they considered it a major accident..