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Old 08-30-2011, 02:51 PM   #11
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Not true. I was hit this spring. We both pulled over and called our respective insurance companies on the spot. No cops called. Her insurance company asked her to put me on the phone, I game them my info they gave me a claim number. Easy as pie.
A hit and attempted run may be different but I was told by police a while back that if your on private property such as a parking lot things are much different then if your on a county or state rd or hwy when it comes to placing blame on one or another. I'm not on the claims side of things so I'm not the expert on it, just what I was told by a cop. Then again a cop told my neighbor it was legal to drive his 50cc motorized bicycle to work while another gave him a ticket the next day???? Who knows?
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Old 08-30-2011, 03:04 PM   #12
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A hit and attempted run may be different but I was told by police a while back that if your on private property such as a parking lot things are much different then if your on a county or state rd or hwy when it comes to placing blame on one or another. I'm not on the claims side of things so I'm not the expert on it, just what I was told by a cop. Then again a cop told my neighbor it was legal to drive his 50cc motorized bicycle to work while another gave him a ticket the next day???? Who knows?
My point was that he said insurance companies will not talk to you without a police report. Mine and hers did. I have geico and she had progressive.
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Old 08-30-2011, 03:11 PM   #13
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Not true. I was hit this spring. We both pulled over and called our respective insurance companies on the spot. No cops called. Her insurance company asked her to put me on the phone, I game them my info they gave me a claim number. Easy as pie.
this is the only way to go if you decide not to call the cops. make them admit it right then and there to their insurance with you standing by their side. it's too easy for someone to lie about what happened.
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Old 08-30-2011, 03:41 PM   #14
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My point was that he said insurance companies will not talk to you without a police report. Mine and hers did. I have geico and she had progressive.
Every time I've been in a wreck, the first thing I am asked by the agent when reporting it is "do you have a police report?" OK, let me clarify. You're a lot harder to deal with without a police report. Insurance companies get scammed all the time and it's becoming more rampant now. Why *NOT* have every piece of evidence to present to the company to ensure your claim DOES NOT get denied?


OK, you're in a parking lot and exchange information/talk to each other's companies and get it settled. Good for you. If you get it settled at all without a report, good for you.


I'd rather have that slip of paper written up by a boy in blue, green, or khaki with all party's involved info. Makes denial by a guilty party a little harder if they're the one listed in Box #1.
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Old 08-30-2011, 03:51 PM   #15
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I would report it to my Insurance company, and have my insurance company pay for the damages, and then let them subrogate against the adverse carrier i.e. her insurance.

I never let some else's insurance company control my situation. They have Florida Laws, which allow for Actual Cash Value, or repair by any means laws in their favor.

When using your coverage, you have laws that protect you, in your first party claim verses your third party claim against her carrier.

The main reason, with your insurance, you are the customer, with hers, you are the claimant.

Her insurance will not treat you the same as yours.

Next thing, was your vehicle in the care, custody, and control of the garage? If so, they should have shop keepers insurance, which is another avenue for recovery for your damages.
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Old 08-30-2011, 03:54 PM   #16
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I would report it to my Insurance company, and have my insurance company pay for the damages, and then let them subrogate against the adverse carrier i.e. her insurance.

I never let some else's insurance company control my situation. They have Florida Laws, which allow for Actual Cash Value, or repair by any means laws in their favor.

When using your coverage, you have laws that protect you, in your first party claim verses your third party claim against her carrier.

The main reason, with your insurance, you are the customer, with hers, you are the claimant.

Her insurance will not treat you the same as yours.

Next thing, was your vehicle in the care, custody, and control of the garage? If so, they should have shop keepers insurance, which is another avenue for recovery for your damages.

Ding Ding Ding. We have a winner.
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Old 08-30-2011, 04:18 PM   #17
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Quote:
Originally Posted by BananaTom View Post
I would report it to my Insurance company, and have my insurance company pay for the damages, and then let them subrogate against the adverse carrier i.e. her insurance.

I never let some else's insurance company control my situation. They have Florida Laws, which allow for Actual Cash Value, or repair by any means laws in their favor.

When using your coverage, you have laws that protect you, in your first party claim verses your third party claim against her carrier.

The main reason, with your insurance, you are the customer, with hers, you are the claimant.

Her insurance will not treat you the same as yours.
with your own insurance you're also bound by your contract. by filing 3rd you often find they're willing to take extra steps in an effort to settle the claim. all depends on the situation of course. and your insurance too. sometimes your last sentence is correct. other times it's the exact opposite.
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Old 08-30-2011, 04:50 PM   #18
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I think the garage would be very cooperative in this case, since the onus of cost could land on their insurance and they would not really want that for a lot of reasons.
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Old 08-30-2011, 04:59 PM   #19
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The only thing wrong with using your own insurance when you don't have to is, whether you are at fault or not when you use them it goes on your record as a claim against them.
I was dropped by State Farm for using them twice for claims that were not my fault. One for rock damage caused by dump truck and the other for a guy backing into me in parking lot.
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Old 08-30-2011, 05:00 PM   #20
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If I'm not mistaken, anything involving over $200 dollars in damage your are legally required to notify the police. I'm in Bama so it could be different in FL. Jason could answer this one off the top of his head.
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