Question about Insurance Adjuster Deductible
Hi everyone,
I have a question about insurance adjusters following my first car accident, and I’m feeling a bit confused. Here’s what happened: I recently got into a car accident in another state, and it was the other driver’s fault. This morning, I called my insurance company to find out what I should do next. They told me that I need to contact the other driver’s insurance to start a claim if they haven’t already done so. My insurance mentioned that they could handle communication and negotiations on my behalf, but there’s a mention of a deductible involved if I want them to do so. My deductible is $1,000 according to my policy.
The representative suggested that I try contacting the other person’s insurance first, and if they deny my claim, then I would need to use my own deductible through my insurance. However, my sister, who has the same insurance, told me that when she had an accident, she just went to the insurance office with the necessary information, and they took care of everything without mentioning anything about a deductible (though she doesn’t remember the details perfectly).
So, what should I do? Should I call the other driver’s insurance and insist on starting a claim, or should I go through my insurance and engage their adjuster? The insurance representative really encouraged me to reach out to the other party’s insurance. Any advice would be appreciated!
It sounds like you’re in a bit of a confusing situation, but it’s understandable given the complexities of insurance claims. Here’s a breakdown of what you should consider doing:
Contact the Other Person’s Insurance: Since the accident was the other person’s fault, it’s usually a good idea to start by contacting their insurance to file a claim. You can provide them with all the necessary details about the accident, and they will investigate the claim and determine liability.
Understand Your Deductible: Your deductible is the amount you’re responsible for paying out of pocket before your insurance will cover the rest. In your case, it sounds like you have a $1,000 deductible. If you go through your own insurance to cover the damages, you would need to pay this amount first before your insurance starts paying.
Ask Your Insurance for Guidance: Since your insurance company suggested you talk to the other person’s insurance, follow their advice but make sure to ask any questions if you’re unsure about anything. Clarify what they mean by using an “adjuster” and what that entails. They should be able to explain how the process works and what your options are.
Know Your Rights: If the other person’s insurance accepts liability, they should cover your repairs without you having to pay a deductible—this is typically how it works. If they deny your claim, then you may need to utilize your own insurance, which would involve paying your deductible.
Keep Records: Document all communications you have with both insurance companies and keep records of any repairs or expenses incurred as a result of the accident.
Consider Timing: Sometimes, the process can take time, especially if the other person’s insurance company is slow to respond. Stay patient and persistent in following up.
If at any point you feel overwhelmed or unsure, don’t hesitate to consult with someone knowledgeable, whether it’s a trusted family member or an attorney who specializes in these matters. Good luck!