I got struck by another vehicle the other day. I made an insurance claim with them. They acknowledged their responsibility. The insurance company just informed me that since the value of my automobile exceeds their insured’s limit, I would be liable for the storage costs and they will not truck it to one of their complete loss warehouses. Additionally, they say they can only “partially pay” me out, so they won’t send me a check. They can pay me in full, therefore they are pushing me to get in touch with my insurance to pick up this claim. Does this have any merit? Can they refuse to give me the whole amount since the damages are greater, and am I liable for these storage fees?
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Liability for property damage has coverage limitations. The type of coverage a policy holder purchases is not under the control of other insurance. That person’s provider can only pay out $5K if they purchased $5,000 in coverage. They want you to review your coverage because of this. The bill will be sent to the other carrier by your insurance.
The insurance company just informed me that they will not move my automobile to one of their complete loss facilities and that I will be responsible for storage costs since the value of my car exceeds their insured’s coverage limit. Despite having the ability to pay me in full, they also stated they could only provide me a “partial payment” and will not issue a check. They are now pressuring me to make the claim via my own insurance. Does this make sense? Is it truly my responsibility to cover the costs of storage if they refuse to pay the entire amount because the damages beyond the limit?
The car’s value exceeds the policy limit, so they’re telling you to seek the rest of the payment from another source.
Indeed. The policy’s maximum amount of money isn’t even sufficient to fully reimburse you for the worth of your automobile, let alone the storage costs. 
Yes, your damages surpass the other driver’s low property damage limit, which varies by state. It is imperative that you file with your insurance provider as soon as possible and let them handle your car. Your insurer will subrogate his insurance and the driver for the damages once they take care of you. Hus insurance would cover the full amount up to his policy maximum; any remaining amount is the driver’s responsibility.
Storage costs for totaled cars vary by location and facility but generally include fees for the space the vehicle occupies and any administrative costs. It’s best to check with local towing companies or storage facilities for specific rates.