Quote:
Originally posted by Kareem
I'm a bit confused, why wouldn't you just make her insurance pay. After all, it's not your fault that she hit you so why should you have to pay for anything?
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The insurance companies don't work that way.
First you submit a claim to your company about the accident.
You give them all of the info on the crash and the other persons insurance info.
Then you have to get an estimate on the cost to repair the car.
Then you give your company that info and they decide wether to give you the money to repair the car.
After that your insurance company files a claim to the other drivers insurance company get rembursed the amount that they paid you to have your car fixed.
Lastly, they crank up your premium! F'ers
This of course doesn't matter if you don't have comp and collision because that policy doesn't pay for auto repair.
Also, if your car is considered totaled then you are given a check that bases the cars value off of KBB. Extra ad-on like rims will not increase your cars value with most insurance companies.
You are basically screwed if you fit into these last two parts.