I hit my son's car! (Insurance question)?
I accidently hit my son's car in the driveway. We have seperate insurance policies, but use the same agent. At first the agent told me my son's policy would cover the accident and pay for my son's car but I would have to pay for my deductible. Fine, sounded fair...and I was told don't file a police report. Now I have been given several different excuses as to why my son's car cannot be fixed. First I was told I own his car. Not true!! and we have different insrurance policies, then I was told we have the same policy..WE DO NOT! Then I was told you can't collect if the person is a relative at your residence. What is going on! This is a WELL KNOWN insurance company and we are shelling out big bucks for these policies. Any insight or advice.
If you hit his car in the driveway I doubt there was much damage other than replacing a panel or two. I would get an estimate on how much it would cost to fix it. If the cost is less that twice your deductible it is much better to just fix it on your own and not even mess with the insurance. If you create a claim you will have to pay the duductible and your rates will go up. Consider paying for the repair on your own. Other wise your cars insurance should cover it since you hit his. His insurance should not have to pay for it since it will probably make his rates go up as well.
Good luck.
just pay for the damage you caused and find a better insurance company. may I recommend geiko for both of you.
if it progresses any further get a lawyer, they will fix it for you. It will not cost you that much for one either. (should not)
I think I would mention the words "Better Business Bureau" the next time you talk to your agent.
If you hit a utility pole, your insurance would cover it. If you simply hit your garage door, your insurance should cover it. Sounds like you’re dealing with a jerk.
you really do not expect an insurance company to pay claims do you ? they do not make money paying they only make money collecting payments. They will find any and every excuse not to pay off.
look at new orleans
If you hit your son’s car your policy should pay for his damage. If you do not have full coverage his policy should have underinsured motorist or uninsured motorist on it to cover it. Sounds like they don’t want to pay.
Why don’t you ask your son what he wants to do with it.
SWITCH INSURANCE COMPANIES PRONTO AND GET A GOOD LAWYER THEY ARE TRYING TO PULL A SCAM OVER YOU. THEY R LIKE THAT I KNOW BEST OF LUCK. IF I WERE YOU I WOULD CALL A DIFFERENT INSURANCE COMPANY AND ASK THEM THEIR OPINION AND IF U LIKE WHAT THEY HAVE TO SAY GO WITH THEM. DONT DISH OUT EXTRA MONEY THAT ISNT NECCESARY GOD KNOWS GAS PRICES ARE RIDICULOUS ENOUGH WITHOUT INSURANCE COMPANIES AND EVERYONE ELSE TRYING TO SCREW YOU OUT OF EVERYTHING U HAVE…………………BEST OF LUCK TO U AND URS!!
Basically, the insurance company needs to be convinced that this is not a fraudulent claim. From their point of view, ti would be very easy for 2 people who are related to each other and living in the same house to cook up a plan to cheat the company.
i dont know how long its been that you hit his car ,but if its within a week or two you still can just call your local police dept.and tell them you need to file a police report for insurance reasons and that you hit it ,when,how.If you both have seprate policies they should pay up i hit my dads car when i was younger and state farm paid ,i had to pay the deductible though like you said .if its not too much damage you might want to pay it out of the pocket ,cause your insurance payment could go up. But otherwise they are just giving you the run around cause if you file a police report they cannot issue a ticket because its on private property,then the two insurance companys will just fight it out among them selves.if your dealing with your agent you might want to by pass him it could be him go directly to your insurance co. yourself.you have there number on your statement.
You’ve got to stay on them and raise a real stink too. Call them- every day, until you get results. You pay for insurance for piece of mind, so that when something like this does happen, you’re covered.
Did you save "the fine print" you get with your policy? If so, read up on everything so you know. If you’re on the phone with someone that tells you otherwise, make a note of it and ask to speak to their supervisor.
Be the squeaky wheel too- just incessantly bug them until they shell out. Insurance companies would never make any money if they didn’t screw people, the employees there are trained to lead you to believe you’re not covered when you really are.
What should happen is your insurance liability will cover the damage on his vehicle. His auto insurance (collision coverage) would not cover the damage, because you had insurance. As for the police report, they may not file a report since the accident happened on private property (they usually won’t). I would look at paying the damage out of pocket since you will probably save more money in the long run, considering once this is paid, you will have an at fault accident on your record for the next 3 to 5 years and will be surcharged for it.
As for the run around the company is giving you, that’s bogus, yes they don’t want to pay, but what I would consider is that this agent was playing some funky games when s/he wrote the policy.
Perhaps you are listed on the policy with your son (?). Many agents will do this to retain business of younger household members, since alone it is very pricey. If this is true, you will have a lot of trouble getting your claim paid, since an insured cannot be liable for damage to his/herself. This would mean that the only coverage that applies is the collision which would be subject to a deductible. I would find a better agent that you trust ASAP. Best of luck!
Sounds to me that he is trying to use a "familial exclusion" which SHOULD not pertain in this instance.
I think that I would bypass the insurance agent and call your insurance COMPANY direct. There should be a 1-800 number on your ID Card that is used for reporting claims.
You might also mention to your agent that you TALKED to your brother-in-law (the attorney) and we was saying that this sounds like DECEPTIVE TRADE PRACTICES to me….and see what the agent goes then…..three pretty powerful words.
The best thing to do is call a LOCAL independent agent. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems.
An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can.
Good luck, drive RESPONSIBLY and I hope this helps!
Sounds like you have Progressive. Progressive has their own policy form. This policy excludes damage you cause to another vehicle in your household even if the vehicle is owned & insured by another person in your household (relative or not). They have recently changed the policy to say that they only exclude damage to vehicles you own (you hit your own car with another car) to match the industry standard policy – this is because you cannot be liable to yourself so you should have collision on your vehicle if you want it to be covered for this situation. I am not sure of the effective date of this change & it would not apply to your policy until the renewal date, which would not help you for this accident. There is a "liberalization" clause in most policies. This says that if a company adds an endorsement that gives more coverage to everyones policy at no cost, you are automatically covered even before your policy renews. But, if it is a change of edition date to the actual policy, this clause does not apply. Your company should give you a written denial of coverage & cite the policy language that shows the exclusion.
Hopefully your son has collision coverage because I think that is the only place to collect insurance on this one.