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Old 12-09-2023, 12:18 PM
 
Location: Austin, TX
1,780 posts, read 4,024,352 times
Reputation: 929

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I was involved in an accident on the 7th. The vehicle in front of me, an SUV, entered an intersection, found that there was no room on the room in front of him, and decided to reverse out of the intersection. I had stopped behind the intersection line and laid on my horn but he hit my car regardless. Then, finding the road now clear on the other side, he sped away. I was in shock and chased him. He turned left at the next junction into an apartment complex that turns out to be where he lives. He spoke only Spanish that I cannot understand so I called the police. Police came, he changes his story to where I rear-ended him (at least that's what I could make out). Unfortunately I have no video evidence of him backing his SUV into my car. The police said since no one was hurt, the damage was not enough for them to make out a report. They just facilitated an exchange of information and left.


I filed a claim through my insurance, Progressive the same night. I described what had happened to the rep on the phone. Today the insurance person assigned to my claim calls me and asks if I had started a claim through their insurance. She said going through their insurance could help me avoid paying my deductible ($500). I showed my vehicle at a couple of body shops who estimate the damage to be several thousands at least, even though it's still drive-able. I am not sure what to do now. Without video evidence, is there any point to starting a claim through their insurance? Isn't it going to significantly delay the process of getting my car repaired? I really want to get it repaired and move on at this point (even though it hurts having to pay a deductible when the accident was not my fault). On the other hand, will my insurance rates increase significantly if I don't try to process the claim through their insurance?


Need opinions and help on what I should do please!
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Old 12-10-2023, 02:01 PM
 
Location: on the wind
23,252 posts, read 18,764,714 times
Reputation: 75145
Quote:
Originally Posted by asubram3 View Post
I was involved in an accident on the 7th. The vehicle in front of me, an SUV, entered an intersection, found that there was no room on the room in front of him, and decided to reverse out of the intersection. I had stopped behind the intersection line and laid on my horn but he hit my car regardless. Then, finding the road now clear on the other side, he sped away. I was in shock and chased him. He turned left at the next junction into an apartment complex that turns out to be where he lives. He spoke only Spanish that I cannot understand so I called the police. Police came, he changes his story to where I rear-ended him (at least that's what I could make out). Unfortunately I have no video evidence of him backing his SUV into my car. The police said since no one was hurt, the damage was not enough for them to make out a report. They just facilitated an exchange of information and left.


I filed a claim through my insurance, Progressive the same night. I described what had happened to the rep on the phone. Today the insurance person assigned to my claim calls me and asks if I had started a claim through their insurance. She said going through their insurance could help me avoid paying my deductible ($500). I showed my vehicle at a couple of body shops who estimate the damage to be several thousands at least, even though it's still drive-able. I am not sure what to do now. Without video evidence, is there any point to starting a claim through their insurance? Isn't it going to significantly delay the process of getting my car repaired? I really want to get it repaired and move on at this point (even though it hurts having to pay a deductible when the accident was not my fault). On the other hand, will my insurance rates increase significantly if I don't try to process the claim through their insurance?


Need opinions and help on what I should do please!
You might find these helpful:

https://www.nerdwallet.com/article/i...mage%20covered.

https://www.policygenius.com/auto-in...r-an-accident/
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Old 12-10-2023, 07:09 PM
 
Location: Phoenix, AZ
6,340 posts, read 4,892,353 times
Reputation: 17999
Iam a retired claims adjuster. I see your questions every day.

Quote:
Originally Posted by asubram3 View Post
Without video evidence, is there any point to starting a claim through their insurance?
Even with evidence, I recommend having Progressive take care of it. Faster, less hassle, and they have a contractual obligation to you where the other company doesn't and can jerk you around for months.

Quote:
Originally Posted by asubram3 View Post
Isn't it going to significantly delay the process of getting my car repaired?!
Yes.

Quote:
Originally Posted by asubram3 View Post

(even though it hurts having to pay a deductible when the accident was not my fault).
!
Welcome to the real world of insurance claims. When Progressive pays to repair your car it will seek reimbursement from the other insurance company for the full amount of the claim and refund your deductible if they collect anything.

Quote:
Originally Posted by asubram3 View Post

On the other hand, will my insurance rates increase significantly if I don't try to process the claim through their insurance?
Your insurance rates will go up anyway. Again, the reality of insurance claims.

Quote:
Originally Posted by asubram3 View Post

Need opinions and help on what I should do please!
Call the Progressive adjuster back in the AM and insist on Progressive handling the claim.

Or, you can call the other guy's insurance and see how that goes. But if you don't get a positive result in a couple of days, you'll know which way the wind is blowing and you can go back to Progressive.
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Old 12-10-2023, 07:11 PM
 
16 posts, read 13,246 times
Reputation: 43
Stick with your own insurance, get your ride fixed, and move on from this mess. Ain't worth the headache, my friend. Good luck!
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