What should I do?
I had a T-bone accident last week, which left my car with some scratches. I received the other party’s insurance info, but it turns out we’re both covered by the same insurance 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, and I’m unsure of the next steps.
It sounds like you’re in a bit of a confusing situation, but I can help clarify a few things for you. When both parties are insured by the same insurance company, they may handle the claim differently than if they were with different companies.
Typically, if you get the repairs done through the other party’s insurance, you might not have to pay your deductible, but this can depend on your insurance company’s policies and the specific circumstances of the accident. Here are a few steps you can take:
Contact Your Insurance Company: Explain the situation to them and ask if you would be responsible for your deductible if you go through the other party’s insurance.
Review Your Policy: Look over your own insurance policy for information regarding deductibles and claims.
Get an Estimate: Consider getting an estimate for the repairs, as this information may help you when discussing with the insurance companies.
Communicate with the Other Party’s Insurance: Since both of you are with the same company, the insurance adjuster might be able to give you clear guidance on how the claim will be processed.
Document Everything: Keep a record of all communications and documentation regarding the accident and repair estimates.
It’s also a good idea to stay calm and patient, as dealing with insurance claims can sometimes take time. Good luck!