Truck hit while parked

[Doc45]

Personally I wouldn't even talk the their insurance company. I'd contact mine and have them handle it. That's what I pay them for.

And have to pay my deductible plus have my rate go up?? No thanks-that's why we have mandated insurance coverage. It was her fault, her insurance pays-no discussion.

[newracer]

She is at fault so your insurance company will recover your deductible from her company. They will work with your interest in mind, her company will not.

Don't be surprised when they try to screw you.

[hurley842002]

She is at fault so your insurance company will recover your deductible from her company. They will work with your interest in mind, her company will not.

Don't be surprised when they try to screw you.

Yup, I've always let my insurance company handle it, never caused me any unnecessary headache or money.

[Doc45]

Been down this road before, already talked to my insurance yesterday. I'll see what they offer Monday, nothing says I have to accept it. If I have issues then I'll get mine involved. There repairs should run between $2-3k max, not too concerned.

Progressive has already agreed it's on them, I do appreciate the feedback.

[Irving]

She is at fault so your insurance company will recover your deductible from her company. They will work with your interest in mind, her company will not.

Don't be surprised when they try to screw you.

Sure they'll recover the deductible, 6 months from now. Plus, he'll have a claim on his CLUE report forever, at fault or not. If he goes through Progressive, they will pay for everything. If he goes through his own insurance, they'll pay for everything, but then may not get that same amount back from Progressive (which is not his concern in the least). Progressive could very well try to "screw" him, but everything is negotiable with Progressive. If he goes through his own company and they try to "screw" him, they'll have a signed contract (his policy) to back up their decisions and he won't get them to budge an inch. For example, if he doesn't have rental on his policy, he won't get one, period. Since he doesn't have a contract (policy) with Progressive, they will provide him with a rental.

Doc45, you've already made your decision and don't need help, but don't let my bantering with newracer influence any of your decision making. In this case, the accident is minor, no injuries (to you), no attorneys involved, so it's not a big deal either way.

[newracer]

All I know is the two times I tried to directly work with the others persons insurance they tried very hard to limit their costs and drug their feet to resolve it. In both cases after weeks of delays I ended up having my insurance handle it and it was quickly resolved and I was fully compensated.

[Irving]

All I know is the two times I tried to directly work with the others persons insurance they tried very hard to limit their costs and drug their feet to resolve it. In both cases after weeks of delays I ended up having my insurance handle it and it was quickly resolved and I was fully compensated.

There are definitely insurance companies out there that you don't want to deal with, and you'd be better to go through your own. Fred Loya is one for sure. Your own insurance company will still try to limit their costs is my point.

[rondog]

Is she hot?

[HoneyBadger]

There are definitely insurance companies out there that you don't want to deal with, and you'd be better to go through your own. Fred Loya is one for sure. Your own insurance company will still try to limit their costs is my point.

Now I'm curious... what companies are the worst to deal with? And which ones will really go to bat for their policy holders? (I'm looking for your opinion, of course)

[Irving]

Fred Loya is the worst I ever dealt with. USAA is the best I've ever dealt with. Even working for another company I was always relieved when USAA was involved. Every other company was about the same, just good and bad adjusters at that point.