Hi everyone, I was involved in a minor accident tonight where a guy in a company flatbed truck backed into my front bumper. His trailer hitch broke off my license plate and popped my bumper out of some of its sockets.
I’ve already filed a claim with my insurance, and I have all of his details (license, plates, insurance, VIN, and the company name). I just learned that I could also file a claim with his insurance.
My deductible is $2,500 because I chose a higher deductible to save on premiums, and I don’t think my repair costs will even reach that amount. I’m planning to get a quote with an adjuster tomorrow to find out the repair cost.
Here’s where I’m unsure: The other driver has offered to pay for the repairs himself, but I’ve already filed a claim with my insurance. I’m hoping he and his company are honest, but I’m not sure I can fully trust him. Would it be better to go ahead and make claims with both insurance companies, or should I get a repair quote, have him pay, and only go to his insurance if he doesn’t follow through?
Get a repair quote first. If the cost is low and the driver seems trustworthy, you could let him pay directly, but ensure you have it in writing. If he doesn’t follow through, you can still claim with his insurance. Filing with both insurance companies may offer the most security, especially if you’re unsure.
Yes. It must be notified to the commercial auto carrier for your business. They ought to have a car if they own one. Hard stuff if they never reported it. Give it to your department of risk management. They have to file a claim or forward to the insurance. Alternatively, in the absence of a policy, they must notify NSB of their stance and provide a written decision via letter. Following that, NSB will inform Pioneer Mutual of the ruling and inquire as to whether they wish to take more action. They’ll probably simply give it up for $886. In any case, if you were working at the time or within the scope of your job, you are not personally liable for everything that happens in the business van.