What do I do about someone who won't for auto repairs?

Discussion in 'After Hours Lounge (Off Topic)' started by Cameron Yee, Aug 7, 2005.

  1. Cameron Yee

    Cameron Yee Executive Producer
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    Someone scraped up my bumper a few weeks ago and the damage is minor but she said she would take care of it. I got an estimate from a repair shop and it is $425 to fix. Her insurance agent mentioned she might choose to pay for it herself, which leads me to believe her deductible is $500 or over. Well, two weeks later and there is still no response. I called her agent and he said he hadn't heard from her. So worst case scenario is she won't pay. What do I do then?
     
  2. CRyan

    CRyan Screenwriter

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    The insurance company should pay no matter what even if they have no contact from her. I have had something similar happen twice and their insurance company paid even after their failed attempts at contacting the insured.
     
  3. Jeff Peake

    Jeff Peake Supporting Actor

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    I have had a minor fender-bender before, in which someone hit me from behind.

    I didnt have to get involved at all, my insurance company did all the work at getting her insurance to pay. This was in Michigan, I am sure it varies by state.

    And I dont think deductible's have anything bearing on this. Her deductible is only for damage to her own car. If your car is damaged, and it was her fault (might need a police report, i am not sure), then her insurance should pay your damages.

    In my case, the woman who hit me was ticketed, so maybe that helped me.

    When I got my car repaired it cost $500. I didnt have to pay it out of pocket, the insurance company had a deal with the garage so the bill went directly to them.

    But, it was returned with still some minor damage to the rear bumper. I took it back it they charged the other ladies insurance again, to cover the additional $200 it cost to fix correctly.

    Good luck

    Jeff
     
  4. Cameron Yee

    Cameron Yee Executive Producer
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    Hmm...

    The damage to her vehicle was worse. There were a lot of people around, but we didn't get any witness info (hope this doesn't bite me in the butt). Thing is I was sitting and eating my lunch and she came and found me and asked for help trying to get unwedged from my bumper. I haven't contacted my agent yet (we both have Farmer's Insurance) but maybe I should to get another voice on the phone.
     
  5. CRyan

    CRyan Screenwriter

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    This is even easier then. All you have to do is call the insurance company (not even your agent) and file a copmlaint for repair. It is then their job to contact the insured. If they cannot, they will then pay for your repairs. Very simple. You can certainly contact your agent - they might be able to get it going faster for you.
     
  6. alan halvorson

    alan halvorson Cinematographer

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    You definitely want to contact your own agent and explain the situation; he and your insurance company will duke it out with other agent and insurance company. You do not, unless worse comes to worse, want to make a claim under your policy - that will be considered a mark against you.
     
  7. Cameron Yee

    Cameron Yee Executive Producer
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    I called my agent and he advised contacting her directly if I want to give her a chance to pay for it herself and not get the strike on her record (which she may have already if she's getting her car repaired). If not I can just call their claim line and explain the circumstances of the incident (e.g. in a parking lot, not in the car). I kind of feel like she's had her chance to respond already, so I'll probably give it until week's end, then file a claim. My agent suggested I just get the other agent out of the mix.
     
  8. Mort Corey

    Mort Corey Supporting Actor

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    After it's all straightened out and your car is fixed...find yourself another insurance agent. Yours sounds like a lazy SOB.

    Mort
     

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