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OJs_knife t1_j6khwi9 wrote

Never talk to their insurance company. Just tell them politely to call your insurance company and hang up. Let your insurance company handle everything. That's what you pay them for. It might end up being covered by your uninsured/underinsured policy. Then your company will go after the driver.

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JaxGamecock t1_j6l2zik wrote

As someone that works in auto insurance claims this is AWFUL advice, OP don't listen to this person. There is a scary amount of misinformation in this thread from people who don't work in auto insurance and don't know what they are talking about. Cooperate with the investigation and speak with his insurance company, they are the ones that will (hopefully) be paying your vehicle's damages and your cooperation will make everything much smoother. I can't tell you many times I have seen instances where we are trying desperately to give money to someone our policyholder has hit, but they refuse to speak to us or help us with an investigation and just screw themselves out of reimbursement sometimes just through non-cooperation.

A coverage investigation means that the person that hit you may have not had valid insurance coverage at the time of the loss. This could mean that the car he hit you with wasn't the same vehicle on his insurance policy, this commonly happens when someone buys a new vehicle and forgets to add it to their insurance policy so the vehicle is technically uninsured. Another reason for a coverage investigation could be that they were an unlisted driver, meaning the vehicle they were driving is on an insurance policy belonging to someone else and they are not the actual driver of the vehicle as listed on the insurance policy. Whatever it is, it's nothing you /u/SereneFrost72 and is just bad luck if this asshole didn't have proper coverage. But I highly recommend you cooperate with his company and do whatever is asked of you within reason

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SereneFrost72 OP t1_j6l3ij5 wrote

I'm definitely taking some of the advice here with a grain of salt. Communication and cooperation all around seem like the logical path me, so I'm not just going to refuse to speak to an involved party. Thanks for the input!

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JaxGamecock t1_j6l4c33 wrote

That would be the best path IMO. If they end up not affording coverage it's note due to your actions or even those of the other insurance company, you just had bad luck and got hit by a shitty dude that didn't have his things in order. If that is the case I would go to your own insurance company and see about filing with your collision coverage. If you have that coverage you will have to pay a deductible (usually $500 is the standard) but all the repairs over that deductible amount will be covered by your company. There is even a chance you could have a coverage known as Uninsured Motorist Property Damage or UMPD which would allow you to get your car fixed for free without a deductible if the other company ends up not affording coverage to their driver. However, UMPD is not standard and the majority of people don't carry that coverage, I couldn't tell you if you do or not

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SaturdayRegrets t1_j6mivbl wrote

Listen to that person OP, it sounds like they work in the industry as well as myself. It's unlikely most if not all the others do. Insurance advice on this sub is VERY hit and miss. I've seen some really really bad advice in here. You would be better served at /r/insurance.

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SaturdayRegrets t1_j6miplh wrote

It's shocking how much bad info on car insurance is given in this sub on multiple threads.

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SereneFrost72 OP t1_j6ki37w wrote

I didn't realize I could do that. Not sure I'd trust them to do anything in a timely manner, but maybe I'll take that approach going forward on this

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smirk_lives t1_j6kpdkp wrote

Be aware that your insurance company is not going to ‘represent’ you in a claim against the other. If you go through the at fault party, you will wait for whatever they are doing. If you go through your own carrier, yours can then get their money back from the at fault party, but they are representing themselves in that matter.

Some policies have an endorsement that if your carrier finds the other party at fault, they will waive your deductible because they’re confident they’ll get it back; ask if you have this.

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SereneFrost72 OP t1_j6kr9j8 wrote

Oh, that sounds like a potential path here. I'll ask my insurance company about that!

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OJs_knife t1_j6kk0wp wrote

Don't talk to them. Any paperwork you get from them just pass on to your insurance company. Any phone calls? Talk to my insurance company. It's what you pay them for. Good luck.

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