Just two days after buying my new car, I got hit.
My car was parked legally and completely stationary on the street when a pickup truck driver, who was reversing, admitted to being distracted by his cell phone and didn’t see my car.
I called the police, and a report was filed online. The driver is insured by Travelers, while my insurance is with Progressive.
I purchased the car just two days ago—a brand new 2025 Toyota Corolla Cross L—and now it’s undrivable because the door cannot be opened.
I’m looking for advice on whether I should wait to contact Travelers’ adjuster for coverage on repairs, a rental car, and diminished value, or if I should let Progressive handle everything. I’ve heard that diminished value claims need to go through the other party’s insurance.
Also, do I have a strong case for diminished value since my car was brand new with only 30 miles on it? What should I prepare for that claim?
I saved for six months to buy this car, and I’m really frustrated and upset.
Any advice would be greatly appreciated.
Location: Idaho, USA
I’m really sorry to hear about your accident, especially with such a new car. Navigating the aftermath can be frustrating, but here are some suggestions for your situation:
Contact Travelers Insurance: Since the pickup truck driver admitted fault and is insured by Travelers, it would be wise to reach out to their claims adjuster. They should cover the damages to your vehicle, including repairs and a rental car, given that their driver was at fault.
Progressive Insurance: You can certainly involve your own insurance (Progressive) if you prefer, especially if you want to get repairs done sooner. However, this may result in your insurance company subrogating (seeking reimbursement) from Travelers. Involving your own insurance could expedite the rental car process, as they typically have arrangements with rental services.
Diminished Value Claim: You have the right to file a diminished value claim, especially because the accident occurred so soon after purchasing your new vehicle. The fact that it was brand new, with only 30 miles on it, strengthens your case. In Idaho, diminished value claims do need to be filed against the at-fault party’s insurance, so make sure to document everything related to the accident.
What to Prepare for the Diminished Value Claim:
Estimates for Repairs: Get an estimate for the repair costs and a timeline for how long repairs will take.
Emotional Support: It’s completely valid to feel frustrated and upset—this is a significant loss of value, especially considering how much you’ve saved for this car. You might want to talk to friends or family who can provide support during this time.
Stay organized and keep detailed records of all your interactions and the damage, as it will help streamline the claims process. Good luck, and I hope you get everything resolved quickly!