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Two cars, in same accident, under same AAA Policy.
Accident in my driveway. Daughter backing out (2009 Civic), backed into wifes car (2008 Lexus).
Both cars have damage - totaling a few thousand.
Both cars have AAA insurance.
Claims person said each car would have to cover the $1000 deductible and that my daughters policy would reflect a $1500 rate increase over three years ($500 per year).
Why do I have ANYTHING to pay for the Lexus, when it was an innocent bystander, so to speak?
FYI, in total, I insure 4 vehicles and my home with AAA, and have been a policy holder for over 10 years.
They tried to explain, but it really feels like an injustice.
It's unfair. But this does not make sense. There should not be a deductible for the damages to the vehicle that was parked. It was the liability coverage of the Civic that should cover the Lexus (no deductible is applied to liability coverage).
If the Civic has collision coverage then the damages to the Civic are subject to that deductible. HOWEVER - read the policy. Most "dual claims" waive deductibles. It may not be your case, but it could be.
Regarding the rates, there is really not much you can do. The fact that she back out into a parked vehicle shows that she is a higher risk to insure. Talk to the office of the insurance commissioner to get more answers.
Also, go back to the adjuster and ask to see the policies. How and Why are they charging this? It cannot just be "the way they do it." It must be in writing.
It's wise to talk to a lawyer.
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