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SereneFrost72 OP t1_j6ki37w wrote

Reply to comment by OJs_knife in Other person's car insurance may not cover my car repair, even though they backed into my parked car? by SereneFrost72

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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