I was stopped at a traffic light when an SUV coming from the opposite direction lost a tire, which then struck my vehicle. The other driver’s insurance, Liberty, initially refused to cover the damages, claiming that my own insurance should handle it under my comprehensive coverage. I have Progressive Insurance, and while I understand the technicalities, it just doesn’t seem fair given the circumstances. The total damage amounts to $5,000, and although I have a $500 deductible, it feels more like a matter of principle. What should I do next?
UPDATE
I had the other driver contact their insurance, and they just got back to me, admitting fault and agreeing to cover all the damages. They’ve told me to schedule an appointment with the body shop, which I’ve just done for next week. Justice has prevailed, thanks to the honesty of the other driver. God bless America! The repairs will take about 20 days, and I’m also working on getting a rental car in the meantime.
I’m glad to hear that the other driver’s insurance accepted responsibility for the damages and that you were able to move forward with getting your car repaired! It’s great when honesty prevails and the situation resolves in a fair manner. Hopefully, the repairs go smoothly and you get back on the road soon. If you have any other concerns, like dealing with the rental car or any follow-up with your insurer, feel free to ask. Safe driving!