The other driver was at fault but her insurance does not want to pay

Dec 13, 2018

  1. sunsun2k18
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    sunsun2k18 New Member

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    Hi everyone. I really appreciate your opinions for my case and hope you will have a wonderful day.
    I borrowed my dad's car last week and involved in a car accident. I stayed in school most of the time, therefore, I was not listed under his policy even though we have the same address. My dad has auto collision and comprehensive coverage but I don't know if his insurance will cover it if I was the driver who had the accident.
    Go back to the accident. When I was on the turn-right lane, as I approaching forward, she was on the lane next to me (on the driver's side) and tried to merged into my lane. The police said I was on her blind spot that's why she did not see me and hit my car on the driver's side. The police came in to file a report and said she was at fault. He gave me her insurance information and told me to call to make a claim.
    A day after I filed claim on her insurance, the adjuster contacted and interviewed me. He also asked me to send pictures in which they can estimate the damage on my car. I completed everything now and decided to call the adjuster back. He said he did not know how long it will take since they have to investigate and make something clear with the insurer (the lady who hit me). They also told me to file claim on my insurance and let my insurance deal with them later.As I remember from the accident, the lady did not admit she caused the accident so I think she will lie on the interview with the adjuster. She also did not seem to cooperate.
    My car is still drivable and the damage estimated about $2500. The police report will be available in the next few days. Should I wait for them to pay for my car or should I file my insurance (AllState) and pay $500 for deductible and let them deal with her insurance (Progressive)?. I just scared it will increase my dad's premium dramatically even though I was not at fault in the accident.
    I'm so confused and don't know what I should do now. This is the first time I involved in a car accident. Please help me ! Thank you.
     
  2. InsCommentary
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    InsCommentary Guru

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    Report the claim to your father's insurer promptly and let them deal with it. It's why he has insurance and what they're good at.
     
  3. fed up
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    fed up Guru

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    Make sure Dad adds you to his policy even though you temporarily live at school. Were you ever on Dad's policy? Renewal notices from some major insurers contain language about licensed drivers in household and claims. Get the police report and forward it to Progressive even though you file with Allstate
     
    fed up, Dec 13, 2018
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  4. adjusterjack
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    adjusterjack Guru

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    The title of this thread says the other insurance doesn't want to pay. That's not true, is it? Your claim hasn't been denied. It's in process, so why say something inflammatory like that?

    A week isn't that long a time for an insurance adjuster to investigate a liability claim. Many companies do it faster, some don't.

    Do it now. Regardless of what's happening with the other company, he still has to get this issue resolved.
     
  5. fed up
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    Dad's premium is going to increase when you are added to the policy, it should have been done when you got your license. Let's hope that the insurer does not ask Dad to pay any back premium in order to cover the claim. I know what state you are in and Louisiana has some tough insurance laws as far as the other party answering for their At Fault claim and lawsuits if they do not. don't know which state Dad lives in but you need to do the correct thing and get added as a driver on his policy. Non-disclosed drivers is becoming a major NO-NO in the industry
     
    fed up, Dec 14, 2018
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  6. adjusterjack
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    adjusterjack Guru

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    Just to be clear, concealing a driver is a material misrepresentation that can get a claim denied and a policy rescinded.
     
  7. fed up
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    Every week we get a call from insureds stating that their kid is to be removed from policy because they are going away to school or a question of "How do you know there is a driver in my house?" I guess they figure it's not a problem until it's a problem
     
    fed up, Dec 14, 2018
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