Seeking insurance advice - (fortunately) not Xterra related

outback97

First Fill-Up (of many)
Supporting Member
Hey guys, I am looking for some advice. I have very little experience in filing insurance claims, which I'm thankful for. I've just done a few glass claims really, that's it really.

Last night driving home from work I was stopped in traffic and got hit from behind by another driver... it was not a direct hit, but more of an offset impact / scrape. I imagine he noticed too late that he was going to rear end me and tried to steer around, but I didn't see him coming so I'm not sure what his issue was. My car's function is not really affected, just aesthetics as far as I can tell. Our little Subaru is 18 years old but only has 80K miles, and besides some clear coat issues on the roof and hood the paint and body were in pretty good shape for the age. It doesn't make a lot of sense to spend money on a nearly 20 year old commuter / trailhead car to make it look pretty. I am very glad that it wasn't one of the Xterras involved... I would have been exponentially more angry about it.

The guy that hit me was driving his sister's car, and it is insured. At first he didn't want to give me the insurance info (there was a language barrier and I think he was a bit scared) but eventually I got that. He called his sister and she must have told him it was OK. I briefly spoke to the sister, who does speak more English, and asked her to tell him he'd need to get his license and registration out for the police, who were on their way to make a report.

My collision deductible is $1000. He was at fault, at least from my perspective, although I don't know that he was cited. I have read that in a no fault state (which Utah is one) with Progressive especially that even if you're not at fault, your insurance rates can go up a lot if making a claim.


I'm unsure on exactly the best way to handle this. The officer we spoke with did tell me that I could get some estimates from a body shop and just deal with the other driver (or car owner) to see if they'll pay me something directly. So far I have tried to get a little info from Progressive without filing a claim, but I've gotten some conflicting information and am looking for other opinions.

Any suggestions from those who have BTDT wtih insurance claims?
 

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Muadeeb

Bastard Admin from Hell
Admin
Location
Dallas
You have their info, file a claim against their insurance under the belief that they are at fault. Worst they can do is deny. I wouldn't even call my insurance until I get a deny from theirs, and then only for the glass replacement if you're fine with the dents.
 

outback97

First Fill-Up (of many)
Supporting Member
You have their info, file a claim against their insurance under the belief that they are at fault. Worst they can do is deny. I wouldn't even call my insurance until I get a deny from theirs, and then only for the glass replacement if you're fine with the dents.

Thanks for the reply. That was one of the options I was leaning towards. No glass was lost fortunately. Just the bumper and body damage next to it.

In the meantime I got a voice mail from their insurance company regarding a claim. Guess I will call them and see what they have to say.
 

kirk

I'm Shady AF. Ask Anyone.
Moderator
Supporting Member
Location
Allen, Texas
Absolutely what he said. Dont tell yours. Did they take your insurance? Also, if they did or your insurance tries to raise your rate at all, challenge it. you had a officer come, hopefully that report shows you not at fault, and you use that going forward.

Insurance companies can be pushy and bullies. Dont be afraid to push back.

I like those imprezas. Great color too!
 

outback97

First Fill-Up (of many)
Supporting Member
Absolutely what he said. Dont tell yours. Did they take your insurance? Also, if they did or your insurance tries to raise your rate at all, challenge it. you had a officer come, hopefully that report shows you not at fault, and you use that going forward.

Insurance companies can be pushy and bullies. Dont be afraid to push back.

I like those imprezas. Great color too!

Thanks for the good advice.

I did call my insurance company for some general advice, but didn't file a claim or give them my policy number. Though with caller ID they probably have a record that I called. Yes, I exchanged insurance info with the other driver when we met with the officer.

Yeah it's been a great car, probably the most reliable car we've owned, and the only vehicle we've ever purchased new. My wife called the color "shiny scarab green" and fell in love with it when she saw it in a brochure. It was primarly her car for many years and at some point she let me start using it as the commuter.

To update, the other driver's insurance company has a claim set up for me and I need to set up a damage review with a collision place. The one they picked is probably fine but that company has a location that's more convenient to my house, so I'm trying to see if I can get the estimate and work done (if I choose to get work done) there.

Will update with any new developments.
 
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