Comments on: Auto Insurance claim process, Texas? http://www.insurancesreference.com/auto-insurance-claim-process-texas/ Find Good Info Mon, 12 Dec 2011 01:01:33 -0600 http://wordpress.org/?v=2.8.4 hourly 1 By: David W http://www.insurancesreference.com/auto-insurance-claim-process-texas/comment-page-1/#comment-6614 David W Wed, 05 May 2010 18:09:11 +0000 http://www.insurancesreference.com/auto-insurance-claim-process-texas/#comment-6614 The other driver's insurance company should take care of your repairs and a rental while your car is in the shop. Many companies have "deals" with reputable shops to do the repairs at the company's estimate; her company should tell you if that's the case; otherwise, they'll estimate the damage, cut a check to you, and let you go wherever you want for repairs. The rental should be billed direct to the company, and you shouldn't be out of pocket for anything. If the other company drags its feet, you can go through your collision with Nationwide, but you'll have to foot the decuctible. Nationwide will then try to collect from the other driver's insurance and should reimburse your deductible. You don't say who the other company is, so I can't say what to expect, but overall you should have little or no trouble other than some inconvenience. Your rates should not go up, as this accident wasn't your fault. The other driver’s insurance company should take care of your repairs and a rental while your car is in the shop. Many companies have “deals” with reputable shops to do the repairs at the company’s estimate; her company should tell you if that’s the case; otherwise, they’ll estimate the damage, cut a check to you, and let you go wherever you want for repairs. The rental should be billed direct to the company, and you shouldn’t be out of pocket for anything.

If the other company drags its feet, you can go through your collision with Nationwide, but you’ll have to foot the decuctible. Nationwide will then try to collect from the other driver’s insurance and should reimburse your deductible. You don’t say who the other company is, so I can’t say what to expect, but overall you should have little or no trouble other than some inconvenience.

Your rates should not go up, as this accident wasn’t your fault.

]]> By: Luna & Lawnboy http://www.insurancesreference.com/auto-insurance-claim-process-texas/comment-page-1/#comment-6613 Luna & Lawnboy Wed, 05 May 2010 17:34:55 +0000 http://www.insurancesreference.com/auto-insurance-claim-process-texas/#comment-6613 It is unlikely your insurance rates will go up since you were not at fault for the accident. Just because you report and file a claim, does not automatically increase your rates. Depending on the wording of your policy, your insurance company may waive your deductible. In MA for example, if you are 50% or less at fault for an accident, and the other party can be identified, your deductible is waived. If your insurance applies the deductible, they will subrogate for what they paid out and your deductible. You will get it back eventually. You can always report the claim as a records only claim with your own insurer so they have the matter on record. Then file a direct claim against the other party. They will pay you for the damage to your vehicle, and no deductible applies. If you have an agent, the agent can handle this for you. It is unlikely your insurance rates will go up since you were not at fault for the accident. Just because you report and file a claim, does not automatically increase your rates. Depending on the wording of your policy, your insurance company may waive your deductible. In MA for example, if you are 50% or less at fault for an accident, and the other party can be identified, your deductible is waived.

If your insurance applies the deductible, they will subrogate for what they paid out and your deductible. You will get it back eventually.

You can always report the claim as a records only claim with your own insurer so they have the matter on record. Then file a direct claim against the other party. They will pay you for the damage to your vehicle, and no deductible applies.

If you have an agent, the agent can handle this for you.

]]> By: Sandy http://www.insurancesreference.com/auto-insurance-claim-process-texas/comment-page-1/#comment-6612 Sandy Wed, 05 May 2010 17:27:28 +0000 http://www.insurancesreference.com/auto-insurance-claim-process-texas/#comment-6612 The other person's insurance should cover all of your expenses and your insurance rates should NOT go up. The other person’s insurance should cover all of your expenses and your insurance rates should NOT go up.

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