My understanding is that they use their insurance because it’s their fault. That way it doesn’t cost you anything and your rates don’t go up. If the damage is $2500 and they only pay $500 for a deductible and your insurance company pays $2000, your rate is going up and their insurance company got out of it for $500.
Rueyousay t1_jeext0t wrote
Reply to Is this normal after an accident? by Impossible-Cry-495
My understanding is that they use their insurance because it’s their fault. That way it doesn’t cost you anything and your rates don’t go up. If the damage is $2500 and they only pay $500 for a deductible and your insurance company pays $2000, your rate is going up and their insurance company got out of it for $500.