Minor accident, other driver doesn't want to go through insurance. What to do? (x-post from /r/personalfinance) Insurance |
- Minor accident, other driver doesn't want to go through insurance. What to do? (x-post from /r/personalfinance)
- Dental insurance doesn't cover adult braces. Would it be different if they are necessary to prevent additional damage to my teeth?
- Career Question [Underwriter position]
- Poor insurance practice (UK)
- Modifications, insurance and accident.
- How to proceed
- T-Boned in a brand new car (2018, 1400 miles) I could use some advice on fault, diminished value. (Arizona)
- Got struck by a car while walking this morning (UPDATE)
| Posted: 02 Dec 2017 05:56 PM PST Hey /r/insurance! I could use your advice regarding a decision I need to make in the next few days. Apologies in advance for the wall of text. I reside in Massachusetts, for reference. A couple days ago, my elderly neighbor hit my parked leased 2016 Corolla with her 2015 Mercedes Benz. I immediately went outside to survey the damage. We took a look at both cars together, and I asked her for her insurance information. She refused. She stated that she would pay for the repairs, and that as she has lived next door for many years, she was not planning on going anywhere. She also became kind of confrontational, insinuating that I was in some way responsible because my car was not parked close enough to the adjacent wall to provide a clear path for her exit. (I've been parked there with my landlord's permission, for 2 years, and she has never previously approached me about this issue.) During the discussion, I took photos of her license plate, the damage on her car, and the damage on my car. Afterward, I also took photos of the driveway with a measuring tape to demonstrate the amount of space there was to pass my car (9ft 7 in., if you're curious). I filed a report with my insurance, as I decided it would be the wise thing to do, as I am generally distrusting of verbal agreements especially when it comes to money. My insurance company stated that they were unable to locate her insurance information - I found her name and know her address, and that + plate didn't return anything in their search. Since I cannot contact her insurance company to file a claim, they said my only option is to go through my insurance company. I have not yet escalated this to claim status. A few hours later, I visited a body shop I trust (they've done great work for me before), and procured a detailed estimate for repairing the damage. I rang my neighbor's doorbell this morning to share this information and she didn't answer. I called her phone number and she answered. She asked me how much the estimate was for ($1,200) I told her, and she said it was too expensive and that they were wrong. She asked why I did not go to the body shop she suggested, and I responded that she doesn't get to choose where I get my car repaired. She then accused me of being unneighborly, that she was a nice old lady and that I was trying to prey on her, etc. I asked again for her insurance information and she hung up on me. I then took the car to the body shop she suggested and asked the person working there to call her with the estimate ($326 less than the first option, though totally verbal and not itemized). The owner called her and seemingly also argued with her about the cost. It seemed (although I could not hear her end of the conversation) that she agreed to pay the amount. In the end, he said I could bring the car to him on Monday, he would fix it and charge her for the repairs. Now I am struggling with what to do. I am leaning heavily toward filing a claim through my insurer and using the body shop I trust and letting them handle retrieving payment; however, the challenge is that I'm getting some pressure from a parent (who is of similar age as the other party in this situation) to visit the second body shop and let them handle it. I am afraid that situation could end my paying for repairs out of pocket if she decides not to pay. I am also nervous about the quality of work that will be done on the car, as it seems to be a very cash-centric operation. I'm also worried that the neighbor may be driving without insurance. On the other hand, this person lives right next door to me, and so that relationship (not that there really was one before) could be strained if she expresses dislike of my tenancy to my landlord (who thinks I'm a great tenant) or ends up facing significant legal or financial consequences if there is something more insidious (uninsured motorist or unfit to drive) going on. tl;dr: Neighbor hit my parked car and is insistent that I get repairs (for which she has presumably agreed to pay) at a specific auto body shop and will not share insurance information. What do you think /r/insurance? Is filing a claim through my insurance the right thing to do, or should I go the out-of-pocket + verbal agreement route? [link] [comments]  |
| Posted: 02 Dec 2017 07:47 PM PST I have employer provided dental insurance. Looking through it, it doesn't seem to cover adult braces (I'm 25). My dentist at a cleaning noticed that because of the way my teeth are aligned, the front two top and bottom close directly onto each other. There are already small chips in the top two because of this. Since this can cause a lot of damage in the long run, would it not be considered a cosmetic or elective procedure but rather a preventative one and possibly be covered? [link] [comments]  |
| Career Question [Underwriter position] Posted: 02 Dec 2017 03:30 PM PST I was offered a position as an underwriter trainee at a local GMA, and I was wondering how it differs from your average underwriting position at an insurance company. I've tried researching on the topic but would like to ask what are my main focuses primarily on (in terms of goals), and what licensure/certifications I should start preparing for. Thanks. [link] [comments]  |
| Posted: 02 Dec 2017 10:48 PM PST Background: I was recently involved in a road traffic accident. I was hit on a roundabout. The person that hit me took 100% of the blame as they did not give way to me. Queries: I have been looking for insurance quotes for a new motorcycle as mines will likely be written off and it appears that I am getting punished for the accident as the quote is significantly higher when I included the recent incident, that wasn't my fault. Is this legal practice? Why is the insurance increase when I was not to blame? Any feedback would be appreciated [link] [comments]  |
| Modifications, insurance and accident. Posted: 02 Dec 2017 07:27 PM PST I just recently got into an accident and will most likely need to repair the subframe and some suspension parts. I also made some mods to my car, installed aftermarket exhaust, cai and intercooler. I guess my question is can my insurance deny my claim and drop me due to these mods? I did not report the mods to my insurance. [link] [comments]  |
| Posted: 02 Dec 2017 11:32 AM PST Good afternoon redditors; I'm a 22 y/o driver in the state of Florida that just got in his first accident. I was rear-ended by another car which did not see myself along with the traffic in front of me (football game). Her airbag deployed and her front is more messed up than my rear. The State Trooper came and filed his report. How do I proceed? Do I call up my insurance (Progressive) or directly go after theirs? My whole rear bumper will have to be changed and most likely a portion of the exhaust. Don't want to raise my monthly rates for the upcoming years, what is the best way to achieve that. Been using the search bar and reading up on some other similar posts. Thank you in advance [link] [comments]  |
| Posted: 02 Dec 2017 08:41 AM PST I was travelling with a passenger in a 2018 accord with about 1400 miles on it, we travelled through a green light and were T-Boned at fairly low speed. There's some major structural damage and the current estimate stands at about 12000 to repair. The other driver claims he had the green. Both myself and my passenger witnessed otherways, in fact I was able to get out of my vehicle and point out the other driver's red light to him, as there were still about 15 seconds on the crosswalk meter after both cars had come to a full stop and I had gotten out. There were no other witnesses besides myself, the passenger, and the other driver. This particular intersection is a rather poorly laid out diagonal 5-way intersection in which my traffic light hangs out over the middle of the other driver's lane at an angle and is fairly visible. He is an older gentleman, was on oxygen, said he was recently out of the hospital. I think what happened is that he was looking at my light instead of his own and thought he had the green. At any rate, will any of this help me if I have to argue this in court to establish fault? Should I hire an independent appraiser and try and file for diminished value? Is there anything in particular I should be wary of? [link] [comments]  |
| Got struck by a car while walking this morning (UPDATE) Posted: 02 Dec 2017 05:50 AM PST Hi this is a follow up from the post below The hospital sent me a bill and it says the no fault paid out 11k of the 13k that is due. And now I'm on the hook for the remaining balance. It's the weekend now but I am going to call the insurance adjuster Monday. I thought no fault was up to 50k? Any advice on how to proceed??? Thank you all for your help [link] [comments]  |
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