I was just rear ended. Do I call my insurance or

[ralphlauren]

The company of the girl that hit me?

[OHMBLEEGOHHHHH!]

I would start off with yours.

[fuckyourcouch]

Yep, start with yours. I'd call the police too, so they can do a report.

[flex]

Call yours. They'll contact the other insurance carrier.

[speckledfrog]

Yours. They'll likely call the other company for you.

[lucky513]

are you ok, is your car ok?
call your insurance and file a claim

[ralphlauren]

I am totally fine. She felt horrible.

Dumb question but I do have to pay my deductible or will her insurance take care of it?

[fuckyourcouch]

Depends on your policy. I was rear ended last fall and the other person was at fault, so I didn't pay anything. You shouldn't have to if you're not at fault.

[thedutchgirl]

I'm glad you are ok. When I was in a similar situation, I had to pay the deductible up front until the other insurance company paid mine and I was reimbursed.

[cbwm1]

You can do either. I had a string of three accidents in three months and for the last two, I just went thought the insurance of the people at fault.

If you do file through your insurance company, they'll subrogate the loss to recoup the $$ from the other company.

ETA - I'm glad you're okay!!

[Deleted]

Aug 22, 2012 21:56:46 GMT -5 letsgetweird said:

The police might not come out. When I was in an accident they would only come out if someone was injured, didn't have their license, etc.

Where I am they won't come out if the vehicles can drive away but you do have to go to a station to file an accident report before the damage can be fixed if it's going to be over $1000.

[angelaa73]

Call yours. Give them hers. You may or may not pay a deductible, but if you do, most likely you'll be reimbursed

[angelaa73]

Haha surrogate! That's a good one!

[WOT?*]

Subrogate. One letter off is all. Gives it a whole new meaning though, doesn't it?

Call your insurance. They'll call her insurance and get the claim going.

[cbwm1]

Fucking autocorrect.

I fixed it. lol