Seeking Advice on Avoiding a Deductible for an Accidental Claim
Yesterday morning, a driver lost control and crashed into the pole right in front of my house, causing significant damage. The impact knocked off the meter box and lines, but luckily, Consumers was able to put up a new pole and reconnect the lines. However, I now need to hire an electrician to restore everything back to my home, and their quote is $920. Unfortunately, my deductible is $1,000, so I wouldn’t get that money back even if I filed a claim.
I don’t believe I should have to pay anything since the driver, who is a friend’s daughter, fell asleep while driving. I have text messages confirming her story. If I manage to get her insurance information, how challenging is it to get them to cover the costs? I have a cousin experienced in roofing insurance claims who could assist me if necessary. As a single parent working for the government, my financial situation is a bit precarious, especially after recently replacing my furnace unexpectedly. I want to prevent any unnecessary expenses.
State Farm mentioned they would pursue the other driver’s insurance company, but I’m concerned about the potential for my rates to increase at renewal.
Thanks in advance for any advice from those who have been through a similar situation! I’m going to reach out to their insurance and hope for the best.
It sounds like you’re in a tough situation, and I completely understand why you want to avoid paying out of pocket. Since you have proof that the driver fell asleep at the wheel, you may have a strong case to present to their insurance company. Here are a few steps you can take:
Collect Documentation: Make sure to gather all relevant documentation, including photos of the damage, the electrician’s quote, and the text messages from the driver admitting fault. Having everything organized can really help your case.
Contact Their Insurance: Reach out to the driver’s insurance company as soon as possible. Provide them with your documentation and clearly explain the situation. Be persistent and follow up regularly to check on the status of your claim.
Get Help if Needed: Since your cousin has experience with insurance claims, don’t hesitate to lean on her for advice. She might be able to guide you through the process or help you negotiate with the insurance company.
Understand Your Rights: Look into your state’s laws regarding liability in accidents like this. Being informed can strengthen your position when dealing with the insurance companies.
Consider a Liability Claim: If the driver’s insurance company is unresponsive or doesn’t want to cover the costs, you might need to pursue a liability claim. Again, this is where your cousin’s expertise could come in handy.
It’s definitely a good idea to be cautious about your own insurance rates when making a claim. However, if the damage wasn’t your fault and you have the evidence to support it, it’s reasonable to seek compensation from the at-fault party’s insurance.
Good luck, and I hope things get resolved quickly so you can focus on your priorities!