What should I do? I was in a T-bone accident last week, and my car got some scratches. I have the other party’s insurance information, and it turns out we’re both with the same company. If I go through her insurance for the repairs, will I still have to pay my deductible? This is my first time handling a situation like this, so I’m uncertain about what steps to take.
What to do?
It sounds like you’re in a bit of a tricky situation, but I can help clarify things for you. Since both you and the other party have insurance through the same company, this is often referred to as a “first-party claim.”
In most cases, if you file a claim with your own insurance to cover the damages, you may have to pay your deductible. However, since the other party’s insurance is also with the same company, they might be able to handle the claim in a way that exempts you from paying the deductible. It’s best to contact your insurance agent or the claims department to explain your situation and ask if you can get the repairs done through the other party’s insurance without having to pay your deductible.
Make sure to gather all necessary documentation for your claim, such as photos of the damage and any police reports if applicable. Good luck, and I hope your car gets repaired quickly!