Just Bought a New Car, and It Got Hit!
I purchased a brand new 2025 Toyota Corolla Cross L just two days ago, and unfortunately, it was hit while legally parked and completely stationary on the street. The driver of the pickup truck was reversing and admitted to being distracted by his cell phone, which led to the accident.
The police were called, and an online report was filed. The other driver is insured by Travelers, while I have coverage through Progressive.
Due to the damage, my car is currently undrivable as the door cannot be opened.
I’m looking for advice: Should I reach out to Travelers’ adjuster for coverage on the repair costs, rental, and diminished value, or should I let Progressive handle everything? I’ve heard that diminished value claims need to be filed with the other party’s insurance.
Given that my vehicle was brand new with only 30 miles on it, do I have a strong case for diminished value? What steps should I take to prepare my claim?
I saved for six months to buy this car, and I’m really frustrated and upset about this situation.
Thank you for any guidance you can offer!
Location: Idaho, USA
I’m really sorry to hear about your accident, especially with your new car. It sounds like a frustrating situation, but there are steps you can take to address it.
Contact Travelers’ Adjuster: Since the pickup truck driver was at fault, it’s a good idea to reach out to Travelers and file a claim with them. They should cover the costs for the repairs, rental car, and any additional costs, including diminished value. Be sure to provide them with all the details and documentation, including the police report.
Also Involve Progressive: You can report the incident to Progressive as well. They might provide assistance in coordinating with Travelers and can also give you information about your policy options. If the other party’s insurance is slow to respond, having your insurance involved can help expedite repairs.
Diminished Value Claim: Yes, you can claim diminished value due to the fact that your car was brand new and now has an accident history. To strengthen your case, gather supporting documents such as:
Market research on the value of similar vehicles in your area
Estimated Diminished Value: Since your car was only two days old, you might have a strong claim. Research how much similar vehicles have depreciated after accidents, as this will help you present your case to Travelers.
Keep Records: Document all your communications with both insurance companies, any expenses you incur (like rental cars), and any other relevant information. This will be useful if there are disputes later on.
Be Patient and Follow Up: Insurance claims can take time, so be patient but persistent. Regularly follow up to check on the status of your claim.
It’s completely understandable to feel frustrated, but taking these steps can help you navigate the process more effectively. Best of luck, and I hope you get everything sorted out quickly!