What If Car Repairs Are Less Than Deductible Reddit
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| Unfortunately, I swiped a Prius pass side bumper cover with my truck rear tire. At that place likely will be some scratches on bumper cover seen, though owner said that car was front end stop damaged before by someone, who backed into information technology. From what I can tell, to fix that bumper cover will be less than deductible. Unfortunately, I have very proficient experience with them, as our family unit cars were hit many times through years. How does it work with insurance coverage then, if repairs are less than deductible? Who pays what? |
06-22-2020, 01:24 PM | | |||
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| The deductible applies to harm to your auto, not damage y'all to someone else'south (which is your liability insurance). If the insurance company finds you lot at error, the owner will be fully reimbursed for all damages, and you will non have out of pocket costs for the claim. |
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| Quote: Originally Posted by z28lt1 The deductible applies to damage to your car, not impairment you to someone else's (which is your liability insurance). If the insurance visitor finds you at fault, the owner volition exist fully reimbursed for all amercement, and you lot volition not have out of pocket costs for the claim. That's right, and probable, so he will have no out of pocket, and yous won't have to pay anything, but may go your rates increased. With my visitor (non Safeco) they only raise the rates on the second claim inside two years. |
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| No, not my question, actually. deductible is $500 and repair is $367.98, for case? What I'm saying, in case like this happen to me, I only weigh $500 vs $367, and either ready it myself or pay OOP. |
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| If you lot cause an blow/repair demand - YOU should be responsible for their deductible! Are you trying to say they should pay out of pocket for something you acquired? |
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| No, just figuring out how it works. Every time I was in blow caused by someone else, insurance took MY deductible and then reimbursed ME for information technology, after the other driver error was established. I simply do not know how it works. It was e'er insurance communication only. Aren't they for situations like this, after all? |
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| Nosotros did answer the question you asked, but for more clarity: How it commonly works, is if someone at fault (y'all - lets say person A) hits someone else's (person B) vehicle, then person B has two choices. i - Claim on their own insurance, pay their deductible, and have their insurance go after the other person'due south insurance for the money (including the deductible) You can do either (as long every bit the coverage on your own vehicle has collision coverage for choice 1) In whatsoever either example, person B should terminate upwards non paying a deductible, but in i mode, they may accept to at beginning and go reimburse, and in the other, may never have to pay. In your case however, information technology is slightly dissimilar since you both have the same insurance instance. In that example, if clear fault is established, they volition probable (but not definitely) wave the deductible all together since it will go against your policy anyway. Person A (your) liability policy will cover Person B's deductible, either through the initial merits or through reimbursement later. |
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| In your instance nonetheless, it is slightly different since you lot both accept the same insurance case. In that case, if clear fault is established, they will likely (but not definitely) wave the deductible all together since it will become against your policy anyhow. Person A (your) liability policy will cover Person B's deductible, either through the initial claim or through reimbursement later. Now I get it. Safeco will merely process it all internally. Yeah, there is no question who did what. I noticed that wheel scraped her bumper, drove downwardly the ramp, parked, went back to her car to leave my card - just in time, as she just started engine and was next to leaving. She didn't even know. So I apologized and gave her all info needed to file a claim. Glad I caught information technology on time, 15 seconds more and she'd be gone. |
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| If in that location was no damage, then what will you be repairing? (Are y'all saying you lot remember that later, they're going to "magically" find damage?) If in that location is impairment and this other person might simply exist amenable to you paying for the repairs to their auto (and your business concern is that the repairs would come up out to less than the amount your insurance would go up by), why fifty-fifty get insurance involved? Quote: Originally Posted by ukrkoz No damage I could see, owner really pulled out babe wipe and wiped black mark off in my presence. In garage light, it looked like it never happened. |
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| Quote: Originally Posted by ukrkoz No, not my question, actually. deductible is $500 and repair is $367.98, for case? What I'm proverb, in example like this happen to me, I only weigh $500 vs $367, and either fix it myself or pay OOP. The insurance. Whether or not that raises your rates is the other question. He would file a merits against you (and your insurance policy). In this case, that happens to exist the same insurer merely that isn't actually relevant. If he fails a claim, your insurance volition investigate and/or just pay out. Particularly if you're saying I hit the guy and nicked his bumper and the impairment is minor, they'll more condom stamp it and pay for the harm. Whether they jack up your rates and it costs you $1,000 over the side by side five years to pay $300 for someone to dabs some touch upwardly paint or just buff out a scratch in the articulate glaze is the question. Non a huge corporeality you tin can practise about all of that. If he wants to become through insurance, he wants to become through insurance. If you tin just pay him $300 and he's happy, I'd say do it. You lot can't do anything for $300 at a body store. |
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