Insurance question, please help - FMVperformance.com : The site for all your Ford Mazda and Volvo needs
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post #1 of 18 (permalink) Old 04-04-2006, 04:44 PM Thread Starter
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Insurance question, please help

Recently, I had gotten into a non-fault car-accident.

So I didn't get the other party's insurance information at all ( I'm a new driver, donno nothing about these ). So basically I'm waiting for the police report on thursday.

When I pick up the report and call the other party's insurance and tell them to come and check up my car, and they give me a estimate w/e.


So my question is, what about the deductible? am I responislbe for it? even if I'm non-fault?

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post #2 of 18 (permalink) Old 04-04-2006, 04:49 PM
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Re: Insurance question, please help

I'm pretty sure, yes. I would think you would have to call your own insurance and get them to give you an estimate. Actually, you can get an estimate from whoever you want, but... the point is, that I'm pretty sure your insurance will be convering your car, and likewise for the other driver. That's what the no-fault part means.


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post #3 of 18 (permalink) Old 04-04-2006, 05:06 PM
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Re: Insurance question, please help

I never been in an accident before but I think if it's not Ur fault according to the police report ; unless the other driver has no insurance or it's a hit and run .
And it also depends on who do U have insurance with .
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post #4 of 18 (permalink) Old 04-04-2006, 06:01 PM Thread Starter
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Re: Insurance question, please help

I thought the other party's insurance is covering my car not my insurance.. that's what everyone told me...
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post #5 of 18 (permalink) Old 04-04-2006, 06:15 PM
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Re: Insurance question, please help

When you say "non-fault", do you mean that it was not YOUR fault (and therefore the fault of the other driver) or do you mean it was nobody's fault?

If it is the other driver's fault, everything should be paid by the other insurance, assuming that the cops agree. In the case that there is a fault dispute, you usually pay your own deductible, have your insurance cover you, and your insurance company goes after the other coompany for re-imbursement.

I have never used the "no fault" coverage (meaning no one was at fault), so I could not help you in that case...

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post #6 of 18 (permalink) Old 04-04-2006, 06:17 PM Thread Starter
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Re: Insurance question, please help

non-fault in my definition means it's completely the other driver's fault
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post #7 of 18 (permalink) Old 04-04-2006, 06:23 PM
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Re: Insurance question, please help

In that case you should never have to get your insurance company involved. You place a claim on THEIR insurance, with the police report as back-up. I assume that the cops got the other person's insurance information, right (even though you mention that you did not get that information yourself)?

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post #8 of 18 (permalink) Old 04-04-2006, 06:27 PM
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Re: Insurance question, please help

you still have to get your insurance involved when its a not at fault accident.


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post #9 of 18 (permalink) Old 04-04-2006, 06:42 PM
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Re: Insurance question, please help

[quote author=b1unt3d link=topic=43655.msg648297#msg648297 date=1144189621]
you still have to get your insurance involved when its a not at fault accident.
[/quote]
Agree U have to Ur insurance company involved , Even if it's not Ur fault , for 2 reasons :
1 - they'll get Ur car in the shop , get U a loaner ASAP and they'll go after the other party's insurance to get their money from them , that's insurance companies business with each other U stay out of it .
2 - U should never fight with the other party's insurance yourself as long as it' not Ur fault cauz no matter what U do U'll get the short end of the stick .
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post #10 of 18 (permalink) Old 04-04-2006, 06:47 PM
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Re: Insurance question, please help

Their should be no issue of fault if the police cites the other driver and not you.

I had not thought about the rental car thing. I am not sure, but some states require that the rental car come from the insurance of the person driving the car. In that case, yes, get your insurance company involved.

In any case, you do not have to pay a deductible unless it is a claim on your insurance. *HIS insurance will fore HIM to pay a deductible based on his collision coverage.

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