TRUCK Hit Me!
#20
03-15-2007 | 11:09 AM
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Joined: Dec 2005
Posts: 764
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From: Fresno
I am totally agree with John. Notify your insurance and forward that truck insurance information so let their agents work out their paper trail. Hopefully, you would already have that truck information; license plate, Dmv and insurance. Then your insurance would send their adjuster out to inspect your damage; in the mean time, if you have a rental car in your insurance policy, you would able to use it while your car get fix at the shop. Still, it's suck to pay extra out of your pocket!!! good luck and stay kool! 
#21
03-15-2007 | 12:08 PM
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Joined: Mar 2005
Posts: 636
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#23
03-15-2007 | 02:32 PM
Originally Posted by txgcoupe
Don't talk to their insurance company!
Turn it in to yours and let them deal with it. That's what you pay them for.
John
Turn it in to yours and let them deal with it. That's what you pay them for.
John
last time someone hit me i never went through my insurance and the other party paid out in less than one week on the spot at the body shop. it depends who's the other party's insurance but usually commercial/business insurance pays out fairly fast especially looking at the point of impact. if the officei wrote the correct information on the police report you should have a better chance of gettign paid and not having your personal rates go up
#24
03-15-2007 | 04:22 PM
^^Listen to da mayor. I am an agent in Texas and if you go to your personal insurance co. Guess what you get a not at fault accident tacked on to your record. They may tell you sir this won't affect your rates thats bs! Cause if you have to change insurance carriers in the next 3 years it will show up and you will pay more $$$ than somone with a clean record. I have 15+ yrs in the auto insurance industry. Please don't just turn it in to your insurance cause thats why you pay for it. Thats short sighted and ignorant. If you need any further info pm me I'll try to help. Granted I don't do business in NY but claims are pretty much paid by the same guidlines.
#27
03-15-2007 | 09:13 PM
If its a company owned truck then go right through insurance..Don't even bother with trying to get them to pay out of pocket. If its an individual owned truck..they may want to salvage their insurance. Either way I'd make sure the police report is accurate and push to go through insurance. If they are paying up front for all your damages then its all good. However, you should definitely not be at fault for anything from the looks of your diagram. As for the bodywork man if you need help regarding that..don't hesitate to contact me.
-Vin
-Vin
#30
03-15-2007 | 10:13 PM
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Joined: Aug 2005
Posts: 129
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Originally Posted by 6MT G-STYLE
I used to be an auto claims adjuster...based soley on the facts you have given(other contributing factors you may have left out can change the outcome of who is negligent and how much) I would say the other driver is at fault for failure to keep a proper lookout, failure to yield right of way and making an unsafe lane change...traffic laws and ways of handling insurance vary from state to state and I never hanlded NY...but in general terms...you are supposed to report any accident to your insurance regardless of fault...more than likely the truck that hit you is owned by a business and they carry a commercial policy...in most cases trying to deal w the commercial policy insurance directly is a big pain in the a$$! I would try to deal w them directly for maybe 2 days...you might get lucky...but if you get no where w the other insurance carrier,the fastest way to have you car repaired correctly will be through your own carrier...