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?
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.
Should I Call My Insurance If It Wasn’t My Fault?
wallethub.com
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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