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Old 06-05-2019, 02:44 PM   #1
Grimpala
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Default Wife got rear ended yesterday

On I-30 at the big S curve near Grand/Samuel. Got the guys DL and Insurance info(pictures of both docs)

I've never filed on someone elses ins. before, what's the usual steps?

Just contact his agent and go from there? What do I need to say/do about diminished value?

She went to the DR and she gave her some meds to help with sore muscles and stiffness, but I don't think we'll pursue him for medical bills and what not, it's minor and we have good med ins.

Just want to get the car fixed and maybe a little out of it since it's now been in an official incident.

Grassy-ass in advance
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Old 06-05-2019, 02:46 PM   #2
Baron Von Crowder
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call the ins co directly to start a claim. No need to call the agent.
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Old 06-05-2019, 02:53 PM   #3
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Always call the insurance at the scene to verify they have coverage.
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Old 06-05-2019, 03:17 PM   #4
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No worries both your insurance companies will raise rates to cover it. They aren’t payin for shit lol
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Old 06-05-2019, 04:49 PM   #5
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No worries both your insurance companies will raise rates to cover it. They aren’t payin for shit lol
That's not even remotely accurate.

If you file on their ins and they take responsibility...its transparent to your insurance
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Old 06-05-2019, 08:49 PM   #6
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My ratesgo up every damn year with no accidents tickets insurance is a scam. Kinda like taxes buncha bull shit
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Old 06-05-2019, 09:07 PM   #7
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My ratesgo up every damn year with no accidents tickets insurance is a scam. Kinda like taxes buncha bull shit
You have no idea how insurance works.
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Old 06-05-2019, 09:23 PM   #8
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You have no idea how insurance works.
Sure I don’t. Your rate “can” go up for not at fault accidents but most likely will if it is your fault. Go get smacked twice in 6 months and see if your rate doesn’t go up
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Old 06-06-2019, 08:09 AM   #9
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So my mom was t-boned not too long ago. My bother pretty much handled the whole insurance claim and was telling me how the other insurance carrier started to stall with the claim meanwhile some dr. visits were racking up, etc. He ended up getting an atty and found out that had the issue gone past 30 days, the insurance co's will try to deny any medical claims stating that those symptoms could've been caused by something non-related to the auto accident.


I'm sure I have some of those details mixed up but moral of the story....don't let it drag out too far. If you sense they're dragging their feet, there could be a reason why. And, there's really no reason for you to use your insurance for any related dr. visits. Keep it all documented. You never know when something will show up months later.
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Old 06-06-2019, 08:13 AM   #10
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Quote:
Originally Posted by Grimpala View Post
On I-30 at the big S curve near Grand/Samuel. Got the guys DL and Insurance info(pictures of both docs)

I've never filed on someone elses ins. before, what's the usual steps?

Just contact his agent and go from there? What do I need to say/do about diminished value?

She went to the DR and she gave her some meds to help with sore muscles and stiffness, but I don't think we'll pursue him for medical bills and what not, it's minor and we have good med ins.

Just want to get the car fixed and maybe a little out of it since it's now been in an official incident.

Grassy-ass in advance
In my limited experience the only sticking point is to get the other party's insurance to accept liability. They will often drag that process out it seems. If it's a car I have full coverage only then would I report it to my own insurance company to get the process expedited. Of course you could always call in SVO to play Texas Hammer on them right from the get-go.

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No worries both your insurance companies will raise rates to cover it. They aren’t payin for shit lol
Read what he posted below, several times if need be until you understand.

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Originally Posted by Ruffdaddy View Post
That's not even remotely accurate.

If you file on their ins and they take responsibility...its transparent to your insurance
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Old 06-06-2019, 08:43 AM   #11
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Originally Posted by Baron Von Crowder View Post
call the ins co directly to start a claim. No need to call the agent.
With a crash where it's obvious who's at fault this may hold true, but you get someone who tries to claim no fault the best thing to do is call your provider and have them hammer it out with the other ins. company. Especially if there is no police report or written up as a no fault.
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Old 06-06-2019, 08:58 AM   #12
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With a crash where it's obvious who's at fault this may hold true, but you get someone who tries to claim no fault the best thing to do is call your provider and have them hammer it out with the other ins. company. Especially if there is no police report or written up as a no fault.
Only if you have collision is your own provider likely to be inclined to hammer it out on your behalf with the other insurance company.
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Old 06-06-2019, 10:23 AM   #13
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Sure I don’t. Your rate “can” go up for not at fault accidents but most likely will if it is your fault. Go get smacked twice in 6 months and see if your rate doesn’t go up
Again, you mentally challenged twat, you have no fucking idea how insurance works.

Your rates are increasing because catastrophe claims are increasing. Last year it was the hail storms in DFW. The year before that was Hurricane Harvey. While YOU may not have made a claim, millions did, thus your rates went up.

But what you're referring to about not at fault accidents is horseshit.
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Old 06-06-2019, 11:22 AM   #14
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Only if you have collision is your own provider likely to be inclined to hammer it out on your behalf with the other insurance company.
Your ins. must suck balls.
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Old 06-06-2019, 11:23 AM   #15
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Your ins. must suck balls.
I wouldn't think any carrier would subrogate if your policy is liability only. But, I've never been in that position to have to try, thankfully.
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Old 06-06-2019, 11:34 AM   #16
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Your ins. must suck balls.
At the time it was Geico, but your lack of knowledge on the subject of subrogation is excusable given that you likely do not even live in or insure any vehicles in Texas.
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Old 06-06-2019, 12:59 PM   #17
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Called USAA, got a claim number and adjuster. The adj. will call the guy today/tomorrow and we'll go from there.
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Old 06-06-2019, 01:05 PM   #18
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At the time it was Geico, but your lack of knowledge on the subject of subrogation is excusable given that you likely do not even live in or insure any vehicles in Texas.
Geico sucks balls. Aren't they a high risk ins. company? Your experience does not speak for all.
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Old 06-06-2019, 01:13 PM   #19
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some insurance companies will open a "risk assessment" on you if you call in to report an accident, your fault or not.

that assessment may not directly lead to a rate increase, but it is documented for review and flagged to your policy.
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Old 06-06-2019, 01:15 PM   #20
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Geico sucks balls. Aren't they a high risk ins. company? Your experience does not speak for all.
No, they are one of the largest standard insurance companies. They do tend to have lower rates for high risk drivers, but that doesn't make them a non standard company.
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