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Prior to any work being done on it, I switched from the other party's carrier to our own for a variety of reasons. I am happy with the repair work but by going with my own ins. carrier, have had to swallow our $500 deductible, plus I have a small (<$50) car rental claim as our ins.company only covered $15/day.
When I asked my insurance they said that they will subrogate our deductible but we can claim any other out-of-pocket expenses directly with the other insurance company.
My question is this: how long will this subrogation normally take & can I expect to get all of my deductible back?
I should add that the original estimate was for $200 MORE than by going with my own shop/ins.company and we did not rent a car for the whole time that ours was off the road. Thus, in the final analysis we actually saved the guilty-party's insurance company some money. I think most people would consider these very reasonable expenses & we do have receipts , of course.
Thanks.
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i sustained only minor injuries(will not pursue, nor will i pursue "diminished value" if they decide to repair since this is not recognized in the state of florida). rumor is that progressive is "tight" but i think they have been responsive and thus far, fair in my estimation.
Deduct 10 cents a mile and that is the extent of wear and tear on your new g35. Shop for a replacement ASAP and Good Luck.
If it is fixed, I would also want about $4,000 in compensation for diminished value.
Bill
the infiniti dealer will sell me a new g35 at the same price i bought the original. i don't know how i would get around not giving copy of bill of sale to the adjustor when she specifically asked for it. i don't want to make a profit off of this affair, but neither do i want to be in the hole for something that wasn't my fault.
the salesman at infiniti did try to show me current showroom g35s w more options, intriguing??
thanks for the comments.
I'm in FLorida. I'd say then sue the guy that hit ya (Assuming you were not at fault) for the diminshed Value. That's the first I have ever heard of it and it STINKS.
Bill
I'm in Oklahoma.
SUE them. If you get hit, you DO have DIminished Value. Try to trade that G35 in to me with paintwork all over it, and I can assure you that we will wholesale it and the car will take a beating. Ergo, its' value is lower.
Sue them if you have to...
Bill
i think progressive will probably try to fix the damage since this is most likely the most cost-effective measure. i would like a new car, but i don't think they will be that generous.
This is NUTS
Car_man
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ciao
Now the damages to my car were enough to render my car undrivable and I had to get it towed. I've been without my car for 2 days now and I'm getting very irritated. I finally got a hold of the adjuster today and told him my side of the story. He says that he must talk to the other person before he can establish liability. Meanwhile I'm out a car and with no rental. How much longer will this whole process possibly take??? Also as we were ending our conversation he made a comment that the accident might be "a little bit your fault and a lot his fault." What the hell does that mean? How can it be my fault for driving straight down the street? The other guy got the ticket, doesn't that clearly establish it as his fault? Also does anybody know if I can get diminished value in Oklahoma? The car is only a year old, and it's an import luxury vehicle that's still worth quite a bit.
His little comment that it could be a little bit my fault has me very irritated to say the least.
My car is a 2001 Lexus IS300. I've only had the car for a year, and the damage estimate isn't going to be pretty. I will need a new hood, bumper, radiator, headlights (these cost $1100 each!), the frame will need to be straightened, and who knows what might be damaged in the engine. We had just paid off the car in May as well. We are considering trading in the wreck to the dealership as well as the check given to us to repair the damages, bite some losses and just get a new car. All in all this sucks.
Car_man
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Car_man
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1. had same problem as you with the other party not returning calls. The ins. co. had to send a letter to the other party stating that they must pay the claim as "izzy300 and the accident report indicates that you are at fault and since we can not contact you, we must pay the claim as it has been presented to us...blah...blah...blah"
Ask them to send a letter---I am not sure what this is called in ins. lingo but it was the last ditch effort in getting the other party to acknowledge the accident.
2. In South Carolina, my insurance did not go up when I subrogated my claim. I took it upon myself to rent a car using my credit card with the expectation (hope) of eventually being reimbursed. I personally did not have rental coverage on MY POLICY, so my insurance company could not/would not include the rental in the subrogation claim----I had to pursue that myself through the other insurance co. It took about 6 months---but I was reimbursed.
3. Presumably, the other party had enough liability coverage to cover my damages so I can not speculate on that part of your problem. Perhaps your insurance will have to cough up some $$$ regardless of how you persue the claim.
All in all, I was pleased with my subrogation. At least it will get the ball rolling and get your car fixed or replaced. I would immediatley call my insurance company and at least advise them of the situation and talk with a subrogation guru and ask him/her some of the specific questions that you have posted in this forum.
Also, if you have un./under insured coverage, and the other driver is at fault but coverage does not pay all the damage, that ins. will cover you.
You can ask the adverse company what the limits of Liability are on his policy.
Primary evidence the other guy is at fault. Thus, the adverse company is obligated to rent a car for you from the getgo.
You are going to have to be pro active in this case.
My question is how severe does the damage have to be for the car to be unrepairable? Since the engine was obviously impacted in the accident, is the engine something that they can replace? With this kind of damage what chance do I have of getting a replacement because I just wouldn't be comfortable with the car anymore.
Mackabee
: )
Mackabee
"A magazine journalist is looking for the following:
-People who have gotten dropped by their insurers
-People who have spouses that are causing their insurance rates to go up.
-People dealing with how to insure their teenage drivers
-People who learned the hard way not to report a lot of piddling little claims, like bumper dings or windshield cracks, to their insurance companies
If you'd like to be interviewed for this story, please respond with a synopsis of your experience no later than Thursday, September 12 to jfallon@edmunds.com."
Car_man
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Rear of car crushed.. everything from rear wheels forward looks okay... body shop says its a total loss.
Value of our car approx $5,200.. wife wants to get it repaired for total of approx $2,000 additional.
But I'm concerned about salvage cost I must pay Prudential.. plus hassle of getting salvage title, new inspection, re-build title, Prudential says will not allow any further collision coverage on this car.
Also.. can I go after other party's insurer for the extra $2,000 expense to bring the car back to pre-accident condition?
Get your money and buy a much better car.
Here's my question: I've faxed in the bill of sale to my insurance company; what are my chances of getting the whole $8K back (minus the deductible, of course)?
Please, no comments about overpaying for the car in the first place (price was a bit above Edmunds TMV) or son's driving ability (he had license all of 5 weeks when accident occurred). We're all just glad that no one was seriously hurt.
Thanks in advance...