Subject: Need Help with Insurance After Being Rear-Ended in PR
Hi everyone,
I was recently rear-ended while traveling in Puerto Rico, and I have some questions about how the insurance process works in this situation.
As mentioned, the other driver hit me from behind. I collected their information, took photos of their driver’s license, and recorded video evidence of the damage. We then went to a local police station where an officer filed a report, and the other driver admitted fault. I received a report number to provide to Enterprise, where I rented my vehicle.
Since I opted not to purchase the collision damage waiver (CDW), I paid a deductible to Enterprise and filed a claim with my credit card company. They’ve informed me that their coverage is secondary to my insurance.
Here are my questions:
- If my credit card company is secondary, will they contact my insurance?
- Will this affect my risk profile or increase my rates with my insurance company?
Additionally, I’m experiencing some pain in my neck and shoulder already, which worries me since I have preexisting conditions. I can get treatment through the VA—should I pursue that route? I’m concerned that this minor accident might exacerbate my existing issues.
Finally, how does the process work for medical claims? Will the Amex insurance seek reimbursement from the other party’s insurer as standard practice?
Thanks for your help!
I’m sorry to hear about your accident, but it sounds like you’re taking the right steps. Here’s a breakdown of your questions:
Will your credit card company inform your insurers if they are secondary?
Typically, when a credit card company processes a claim as secondary, they may require you to file with your primary insurance first. They usually coordinate with the primary insurer, which means they might inform your insurance company. However, each credit card issuer has its own policies, so you should directly check with them to understand how they handle claims with your insurer.
Will this increase your risk profile/rates?
If your insurance company is notified of the claim and it is determined that the other party was at fault, it might not directly impact your rates. However, if there’s a claim filed under your insurance, it could potentially affect your risk profile, especially if you have claims history. If your insurer determines you were not at fault, your rates might not increase, so it’s essential to discuss this situation with your insurer to understand the specifics.
Dealing with your injuries:
It’s wise to take your health seriously. If you are feeling discomfort in your neck and shoulder, you should seek medical attention. Given your preexisting conditions, it’s a good idea to consult with a healthcare provider about whether to use the VA or pursue other medical options. Documenting your symptoms and seeking treatment can also help strengthen any claim you may have for damages.
How will medical claims work with your credit card and the other party’s insurance?
Your American Express insurance may pursue a claim against the other party’s insurance on your behalf. They typically handle this as part of their recovery process. Just ensure you maintain all documentation of medical visits, treatments, and expenses associated with your injuries, as these will be important for any claim.
It’s a good idea to consult with a personal injury attorney, especially given your injuries and the complexities of insurance claims. They can provide tailored advice based on your situation and help you navigate the process more smoothly. Take care!