Title: Other Driver at Fault, Same Insurance Company
I initially began the process of filing a claim with my insurance after an accident. I reached out to them to inquire about deductibles and whether there’s a possibility of getting it back.
Unfortunately, it was quite challenging to get clear information. I also wanted to know if using my insurance versus theirs would affect my insurance rates, but I didn’t get any definitive answers.
Eventually, I opted to file a claim under the other driver’s insurance. Now, I’m left waiting for their adjuster to determine fault.
If the outcome would have the same effect on my insurance premiums regardless of whether I used my insurance or theirs, should I consider switching back? Is it even possible to do so at this stage, or is it too late?
I’d call my insurance for clarification, but I’m uncertain I’ll get any answers. The representative didn’t provide a timeline for how long the adjuster typically takes—whether it’s weeks, months, or even longer—which I found oddly amusing (though I doubt it really takes years!).
I’ve tried Googling various terms related to this situation, but I haven’t found any helpful information. By the way, I’m located in New York. Any advice would be greatly appreciated!
It sounds like you’re navigating a frustrating situation. Here are a few points to consider:
Insurance Process: If you filed a claim under the other driver’s insurance, it’s generally best to stick with that route until you receive a determination on fault. If you end up needing to go back to your insurance, they may not be able to take over the claim if it’s already been filed under the other party’s coverage.
Impact on Premiums: If both insurance policies are from the same company, there may not be a significant difference in how your premiums are affected whether you use your insurance or the other driver’s. Typically, if you aren’t found at fault, your rates may not increase, but this can vary by insurer.
Adjuster Timeline: The timeline for an adjuster to reach a decision can vary widely, but it usually shouldn’t take years. If you haven’t received any updates in a reasonable timeframe (a few weeks), it might be worth following up again.
Communication: While it can be tough to get clear answers on the phone, you can try reaching out via email or their website, if available. Documenting everything can be helpful as well.
NY Specifics: In New York, you have the right to file under the other driver’s insurance if they are at fault. If it turns out the claim isn’t progressing as you’d like, you could potentially turn to your own insurer later, but check with them to confirm the options you have now.
If you’re still uncertain, consider seeking advice from someone knowledgeable in insurance claims or a legal professional experienced in auto accidents in New York. They might offer clarity on your specific situation. Good luck!