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car accident not my fault ...whose insurance for faster service
I was in a right of way accident, where the other car was turning left, and hit the left bumper of my new car and damaged my headlight, bumper, foglight. panel above the tire. the impact also shifted the hood. I have spoken to other insurance agent, and the agent apologized for their client.
Can I have both insurance companies estimate the damages? and which would be better and faster to go through my insurance and pay deductible and have my insurance get the deductible for me later, or just go through the other insurance?
90% of the time is faster to go through your own carrier. They only have to verify with you what happened and they can estimate and pay for the damage. As you noted you will be subject to a deductible. The other insurance company needs to still verify what happened with their client and sometimes people that are at fault could take a long time to contact their own insurance.
It really does not matter how clear the accident is, insurance companies have to me an effort to contact their client. If they contact their client and s/he verifies everything, they will be able to fix your car as fast as your own insurance company.
You can have both insurance companies estimate the damages and see what you like best. Some will only approve some shops, some will only work with certain parts, so you can “compare the two”.
If you go through your own insurance company and in the middle of the process the carrier of the responsible party tell you that they are accepting 100% fault, ask them to pay or to advance your deductible to you or the body shop.
Many times they will do this and you will not have any expenses out of pocket yet get your car back in the road as soon as possible.
You can do the same for a rental car. If you do not carry rental coverage, you could ask for the rental while your insurance company covers your damages. You insurance company will subrogate (ask for payment from the responsible party) when everything is set and done.
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