Insurance Claim Advise

[jwc]

I hope to get some advise from someone who might have experience in a similar situation.

I was involved in a three car rear-ended accident. The third car in the back of me hit the car behind me and pushed it into my car. There was no bodily injury, just property (car) damage.

It was determined to be the third car's driver's fault as he hit the middle car and pushed it into my car. However, he only has limited coverage, and apparently with the minimum of $5,000 property damage.

The total damage to the two cars are more than the policy limit of $5,000.

How should the insurance company determine to compensate my car and the middle car? Would this be a 50/50 split? I was told that it might come down to the car that suffered the heavier damage will get a higher compensation. Does anyone know if there is any legal precedent or guideline in determining the compensation in a case like this?

Thanks in advance.

 

[arnguy]

I think I saw this same question from you on another thread---one is quite enough. BTW do you want to get advice or do you want to advise us? There is a difference you know.

 

[jwc]

arnguy,
I posted on the general insurance forum first, and then saw the auto insurance forum, so I re-posted it here since I think this might be a more appropriate forum. Being a new member, had I saw the auto insurance forum first, I would have only posted this thread there.

>>>BTW do you want to get advice or do you want to advise us?

I am quite surprised by your comment. From what part of my post that you think I want to give advise here?

 

[arnguy]

arnguy,
I posted on the general insurance forum first, and then saw the auto insurance forum, so I re-posted it here since I think this might be a more appropriate forum. Being a new member, had I saw the auto insurance forum first, I would have only posted this thread there.

>>>BTW do you want to get advice or do you want to advise us?

I am quite surprised by your comment. From what part of my post that you think I want to give advise here?

What I am trying to tell you is that your thread should have been titled
"Insurance Claim Advice" assuming you are seeking advice from members of the forum. Advice is a noun while advise is a transitive verb----oh well, it's Friday!

 

[brooks]

Do you have collision coverage on your car?

 

[arnguy]

In my case, no. They will not insure my Yugo! The parts are too expensive. I heard that the parts are hand crafted in Kosovo.

 

[Guest]

awesome, 2 posts so we get to see LOTS of different answers! LOL

 

[arnguy]

The answers are in a thread by "jwc" titled Insurance Claims Question."

 

[Dave020]

I heard that the parts are hand crafted in Kosovo.

Get Val to pick some parts up for you and send them over. He can probably stop by the factory on his way to Starbucks

 

[arnguy]

Get Val to pick some parts up for you and send them over. He can probably stop by the factory on his way to Starbucks

Thanks for that suggestion, Dave. I will have to try that.