Some jerk in a giant SUV rear ended my wife while she was at a stand still and waiting to get onto a highway, causing her to hit the car in front of her (another giant SUV).
She's pretty sore but hopefully nothing major.
My question is: my wife is definitely NOT at fault. We're covered and the at fault party is covered. Should we file the claim through our insurance or theirs?
We called ours to report the accident and they said to file the claim through our company (Safeco) we would have to pay our own deductible and get paid back later.
Paying the deductible isn't a big deal, but I really didn't want to take the chance of being on the hook at all since we weren't at fault so we called the other company (Liberty Mutual) and filed the claim through them.
It will take longer to get things processed it sounds like through the other company, but I was sorta paranoid about what might happen to my rates if my company handled it, even though we are not at fault. Our car insurance broker (who I think advertises on here but not sure) doesn't answer the phone after 5pm apparently so couldn't get any quick advice so I filed the claim through the other company just to get it started.
The van (2014 Odyssey) itself has a ton of damage. 5-figures. Rear lift gate door smashed in, rear bumper damaged, tail lights smashed, multiple side panels buckled, at least one of those big sliding doors damaged/buckled, front smashed in (bumper, hood, and area in between). I'm sure there's damage on inside that we just can't see.
Not that this question is intended to promote my blog, but I just wrote about purchasing this minivan last week (we just purchased it summer 2016):
$ave Money: Buy & Sell A Car Online from Vroom
Was filing the claim through their company instead of ours the wrong move?
She's pretty sore but hopefully nothing major.
My question is: my wife is definitely NOT at fault. We're covered and the at fault party is covered. Should we file the claim through our insurance or theirs?
We called ours to report the accident and they said to file the claim through our company (Safeco) we would have to pay our own deductible and get paid back later.
Paying the deductible isn't a big deal, but I really didn't want to take the chance of being on the hook at all since we weren't at fault so we called the other company (Liberty Mutual) and filed the claim through them.
It will take longer to get things processed it sounds like through the other company, but I was sorta paranoid about what might happen to my rates if my company handled it, even though we are not at fault. Our car insurance broker (who I think advertises on here but not sure) doesn't answer the phone after 5pm apparently so couldn't get any quick advice so I filed the claim through the other company just to get it started.
The van (2014 Odyssey) itself has a ton of damage. 5-figures. Rear lift gate door smashed in, rear bumper damaged, tail lights smashed, multiple side panels buckled, at least one of those big sliding doors damaged/buckled, front smashed in (bumper, hood, and area in between). I'm sure there's damage on inside that we just can't see.
Not that this question is intended to promote my blog, but I just wrote about purchasing this minivan last week (we just purchased it summer 2016):
$ave Money: Buy & Sell A Car Online from Vroom
Was filing the claim through their company instead of ours the wrong move?
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