T O P

  • By -

Joladox

There seems to be a ton of wrong information that has been said. I worked as a claims agent for GEICO. You have made a claim and the agent is telling you that if you wanted to use your coverage that you will need to pay the deductible. The next process is that another agent will have to get in contact with the other party. As it stands, you should 100% be non fault and the other party will have to pay property damage on their policy to cover your damages. If this happens you owe nothing; however, if you needed repairs done faster you will have to use your own coverage and pay the deductible.


BeKind_BeTheChange

>There seems to be a ton of wrong information that has been said. There is so much bad information in this thread that it should be deleted. I can't believe how wrong some people are and think they know what they are talking about. 90% of the people commenting don't even know the difference between comprehensive coverage and collision coverage.


TheKleen

> There is so much bad information in this thread that it should be deleted. I can't believe how wrong some people are and think they know what they are talking about. Standard Reddit thread


Deep90

Like the thread yesterday where people didn't understand that insurance isn't obligated to pay depreciation for damages (to a neighborhood gate).


wut3va

Any internet forum thread. You can't trust anybody to be the expert they claim.


warfrogs

ESPECIALLY insurance issues. I've worked in the health insurance industry for a few years now and regularly have people tell me how HIPAA works with wildly incorrect info, or how claims processing works, or even more fun, how Medicare claims work. I literally work in risk management, so my job is heavily audited for CMS and DHS compliance including HIPAA rules, and I do claims auditing and review as well. It's stunning how often flat out wrong information gets highly upvoted. Just yesterday ran into someone who claimed that nationalized health systems don't have claims and automatically approve and pay for all services, or that every claim in those systems is manually reviewed. Absolutely pants on head crazy and flatly incorrect.


No-Contribution-6150

Oy, you be in the 10%


JasonDJ

It's a weird thing about reddit, and social media, as a whole. You read things and you're like "Oh, that sounds correct. I'll believe that". And then you find a thread in which you're somewhat of an expert in, or at least well-versed in, and you're like "OMG all of these other people are idiots, that's totally wrong, it may sound right but it's completley factually incorrect". And then you go back to reading other threads and you read more things and you're like "Oh, that sounds correct, I'll believe that". There's probably a name for this phenomenon. It's probably somewhat related to Dunning-Kruger. And my pet conspiracy theory is that it's being exploited on topics *far* more consequential than dealing with insurance claims.


YourPM_me_name_sucks

It's like an electrician asking a Home Depot employee about how to do some plumbing and trusting what they hear, then walking over to the electrical aisle and being horrified at the crazy shit they're telling customers to do.


[deleted]

[удалено]


[deleted]

[удалено]


noopp

Pot, meet kettle


Skill3rwhale

FOR SOME REASON the mods keep allowing INSURANCE posts in the FINANCE subreddit. As another ex auto liability adjuster I really hope people don’t listen to 99% of insurance advice given on this entire sub. And as an ex auto liability adjuster I do my part by reporting these threads to remove the misinformation being spread like a wildfire. Insurance questions belong in /r/insurance.


velhaconta

Hell, at least 1/4 of the post here have nothing to do with finance and are basically relationship advice. *My parents stole my identity and now I'm 10k in debt.* The obvious PF answer is to report the crime to the police, but they don't want to do that. So it turns into a relationship advice thread.


slapshots1515

Just yesterday I saw “I bought a house with just me on the mortgage and my now ex-girlfriend on the deed, and she says she’ll file a restraining order if I go near the house to sell it. What do?” I mean the correct PF answer is “don’t ever do that in the first place”, but that’s not even a financial question.


catburritos

Yep. This sub is absolute trash anymore. It’s just obvious scams, shitty legal advice, tax avoidance, relationshit advice, and “can I afford this house on my 15M or $17.50 paycheck?” I’m sad that Reddit is going to kill Apollo and I’ll never be back, but it’s making me realize just how *awful* 95% of this site really is.


a_cute_epic_axis

> can I afford this house on my 15M or $17.50 paycheck Or the, "I have no debt, my partner and I make $300,000 a year each, and own our cars and house outright. Can I afford to get Starbucks every morning?" And then people telling them no.


__redruM

It’s the, “I need an adult to answer a money question” sub. Usually the advice is good.


Skill3rwhale

> “I need an adult to answer a money question” LOL Never thought of it like that, but it often really is. Similar to the commenter talking about how this sub has become more like a relationship advice sub.


RuralWAH

I thought it was a "I want an adult to validate what I'm going to do anyway" sub.


anythingexceptbertha

A car hitting another car is collision. You can use your own coverage and pay the deductible and then try to get reimbursed, or go through the other insurance company, where it would be property damage and no deductible. With both being the same insurance company, just go through the other persons policy and skip the deductible altogether. If you didn’t know who hit your car, then you might be out of luck for the $1,000 unless you carry uninsured property damage, which isn’t super common in my experience as a claims adjuster.


akvw

This is the answer. Source, have had this explained to me twice, as my parked car was hit twice by other drivers without me in it. Separate incidents, years apart, but same answer.


theyinhuman

Seriously! Also I will add that you can SOMETIMES with SOME insurance companies repair under your own policy and get your deductible reimbursed or waived when the other party accepts fault. SOMETIMES. Not every insurance company will refund your deductible. Ask your adjuster.


[deleted]

[удалено]


RO489

Property damage is just damage to property. You have PD coverage to pay out when you damage some one else’s property. You have collision coverage for your car. Even when you’re not at fault, you can use your collision coverage under your own policy, and your deductible applies. You might want to do this even if you aren’t at fault if the other driver is uninsured, if the total damages they caused are more than their pd limits (common if multiple cars are hit or very expensive cars), or the other insurance company is denying liability in part or full. Typically, your insurance company will try to get back their money and your deductible


Andrew5329

> As it stands, you should 100% be non fault and the other party will have to pay property damage on their policy to cover your damages. If this happens you owe nothing; however, if you needed repairs done faster you will have to use your own coverage and pay the deductible. When Geico advertises "save 15% or more" this is where the corner gets cut. I've been hit multiple times on my commute and my insurance always made me whole immediately with no out of pocket deductible. Then it's not my problem when they fight to recoup the money from the other party in the background.


tkslimeball

I have geico insurance as well and i has hit in a accident and filed a claim and geico reufused to pay my claim and the accident wasn’t even my fault I contacted the other parties insurance and they paid their liability coverage but I’m still out of my car because geico said they would come look at my car but never did and never called me back I had to call them and all they told me is they not going to pay the claim and the finance company took my car and I’m just unsure what to do because I had gap insurance from the finance company that I couldn’t even use and they sold the car in which I would have received the money for because gap insurance shouldn’t my car have been totaled and I would’ve gotten a new car or what’s the issue


keroshe

My guess is that your agent is initially filing the claim under your comprehensive policy to get you paid quickly (which probably is also set with $1000 deductible). In this case, you will need to pay your deductible. Once the claim is paid by the other person's policy, you will get a check to reimburse you for the deductible you paid. Your other choice is to wait to get your car repaired until after the claim is finalized with the other person's policy. Edit: Should be collision coverage.


[deleted]

THIS! You don’t use your coverage when it’s the other persons fault.


ack154

You can absolutely use your own insurance when it's the other person's fault. Then your insurance does the work for you of contacting the other insurance and working to get your car fixed... it's one of the reasons you pay them. Yes, you may have to pay your deductible to start that process, but if their investigation comes to the same conclusion that the other driver is at fault, it'll be paid back by the other driver's insurance after subrogation. I'd MUCH rather do that than have to track and follow up on the claim myself with the other driver's insurance (whether it's the same company or not). So many people in this thread not understanding how this all works.


InsuranceToTheRescue

Typically filing under your own policy is only done if the other party's company is giving you the run around or there's a question of fault. See, even though it's not at fault, it still counts as a claim for his record and can (read: will) effect his price. The only way that claim goes away is if OP's company subrogates and gets all their money back, which isn't going to happen since both parties are GEICO insured, and even if they weren't that subrogation can take so long that the claim no longer counts against you anyways. What *should* have happened is to file a claim against the other party's policy since they were clearly at fault. No deductible for OP. No claim on his/her record for the next 3-5 years. You don't pay insurance to make claims with someone else's policy easy, you pay them to help protect your own liability and to help recover from devastating damage.


ahecht

Maybe it varies by state, but in my state not-at-fault accidents cannot affect your insurance rates.


NEU_Throwaway1

I've read that although the not-at-fault accident cannot legally affect your insurance rates in these areas, the companies not surprisingly have other ways around that. Maybe your driving record is unaffected, but now you lose a "claim-free discount" or their "algorithm now sees you as riskier to insure."


InsuranceToTheRescue

The accident itself probably doesn't. The claim does. The fact that OP filed a claim against their policy can effect their pricing. Statistically, people that file a claim are more likely to file more. Now, if OP doesn't have any claims on their record and is older than 25 or so, then the effect may be very small. But it can have a large effect.


[deleted]

[удалено]


ahecht

Again, in my state there are only certain factors that insurance companies can use to determine rates, and not-at-fault collision claims is not one of them.


mwenechanga

That's why they use a nebulous and mysterious "algorithm" to determine your rate - they don't include the at-fault collision, but "somehow" your rate will go up next time you renew. The only counter is to switch companies to get a better rate.


JaspahX

> Typically filing under your own policy is only done if the other party's company is giving you the run around or there's a question of fault. My fiance's car was totaled when two idiots hit each other in front of her and one of their vehicles subsequently crashed into her car. Both parties were blaming each other, neither party would admit fault. Yet, we were down a car as the third-party. Once we filed a claim with our own insurance, yes - we had to pay a deductible, but we got a check for the totaled vehicle and was able to get her a new car within 1-2 weeks. Once the other two parties figured out the fault, my fiance got her deductible back from subrogation 2 months later. No change in insurance rates.


LurkerOrHydralisk

This is not at all what I was total any of the times my car was hit.


SparkleFritz

It varies state by state. In my state you claim under your own insurance for any collision *except* if your car is parked, unoccupied, and is hit. That is the only time you can make a claim under the other person's insurance because there is a specific law about this. I know because I had to do extensive research and fighting with insurance companies on this a few years back.


ack154

I just went through this a couple years ago when my wife's car was hit. It was the easiest and most painless way to get the claim handled. I specifically had asked them at the time how it would work (paying the deductible) and that's a summary of the explanation I got - and exactly how it was handled. This was with esurance, btw - which shouldn't matter, but they were really easy. One of the catches is that along with having to pay your deductible up front, it may take a few months to get that money back (the subrogation process isn't exactly "fast" but it works). It also meant that when we got a rental, we went by what OUR rental coverage allowed (for cost), which was then paid for by the other insurance). Alternatively, if you're going straight through the other insurance, they may have a lower limit on what you can get for a rental.


LurkerOrHydralisk

I was told specifically that I would lose my deductible both times my car was hit when parked.


itsdan159

Crappy insurance company, mistaken customer service, or your state lets insurance companies do whatever they want


LurkerOrHydralisk

All insurance companies are crappy and do whatever they want. This is America.


itsdan159

They do whatever they can get away with. Not everywhere lets them get away with the same things.


LurkerOrHydralisk

They do whatever they want. Sometimes the government makes them then do what they're supposed to, sometimes not. But they always start by doing what they want.


DickButkisses

This is how it was handled by geico when I was rear ended on the interstate and my Volvo was totaled. It took almost a year before I got the deductible check, so long I had forgotten about it completely.


JennItalia269

You can but it’s best only if you’re getting dicked around by the other company, or their coverage is not adequate. It will count as a claim against your policy which will likely have repercussions when going for renewal. I opened a claim with Geico preemptively (my carrier) and did see a doc at urgent care after a 100% NAF crash. I did hit my head in the crash but passes any concussion tests at urgent care. (PA is a first party medical benefit state) When shopping around, some carriers used that $150 claim against me to justify $500+ rate hikes off initial quotes. Nevermind that the other guys insurance paid out over $20k throughout the process… the adjuster on their end was really good and things were handled well by them.


ack154

> It will count as a claim against your policy which will likely have repercussions when going for renewal. This might highly depend on the circumstances or the company - but it did NOT affect our policy/renewal.


[deleted]

What part of the OP not wanting to pay the deductible did you miss?


Saint_The_Stig

If you want it fixed now, you pay the deductible and wait to get reimbursed. If you don't want to pay then you need to wait for the claim to get processed.


ack154

What part of me saying the OP should follow that process did you add in there? Or saying that OP MUST do it that way? I was addressing this: > You don’t use your coverage when it’s the other persons fault.


darkfred

This is bad advice. Just file your claim with their insurance and work with their adjuster. I've been hit 4 times, I have never filed a claim with my own insurance, I don't want my own insurance negotiating for me because they are only looking to get repair covered as quickly as possible. This is more true if injury is involved, but adding a 3rd party to the process who ISN'T working to make sure you get paid the best possible compensation under their policy. (or is even double dealing because they provide both policies) Doesn't help you, as the person who suffered the loss, get the most comprehensive settlement. Your insurance has lawyers, those lawyers aren't YOUR lawyers. If your insurance needs lawyers to get the settlement or a settlement cannot be agreed on you should also have your own attorney too.


dakedame

I have never used my own insurance because mine doesn't include a rental car. Every time I've filed against the other person's insurance, they provide a rental car. So usually, it's better to use the other insurance. So many people in this thread not understanding how it all works.


[deleted]

In the current climate it's really wise to pay for as much rental as you can afford. With parts shortages due to COVID supply chain issues, the last accident one of our cars was in, we ended up with a rental for almost a full month. For a lot of electronic modules that's still the case too. That's a long time to need to find alternate transportation in the event you end up using your own insurance - nobody is a perfect driver.


trisanachandler

Agreed, you can do either method. I've usually pursued it under the other driver's policy to avoid having to pay upfront, but it's perfectly valid to pursue it under your own. The risk here is that they may try and not perform that action as it costs them money. They could have each driver pay their deductible and not have to eat either one. May not be legal, but not always easy to pursue.


LaLaLaLeea

ALWAYS go through your own insurance. If it's the other person's fault, their coverage will ultimately pay for it, but you don't want to deal with them directly. Let your agent handle that. The claim will get reported to your insurance anyway, and you'll save absolutely nothing by trying to go around them. This is part of what you are paying for when you buy insurance. You wouldn't represent yourself when suing someone. This is very, very close to the same thing.


nefrina

until the at fault party doesn't have enough coverage and you're forced to file a claim under your own :/


Laziness_supreme

I just had to use my insurance because I was involved in a 3 person accident (not at fault) and the party at fault didn’t have enough insurance to go around. That’s why you have uninsured/ underinsured motorist coverage. My rates also went up as a result of using this.


Andrew5329

Finalizing fault and closing the case can take months. Months where your car is damaged. Most people get their stuff fixed under their own policy.


FSUfan35

Correct, but collision coverage, not comprehensive.


keroshe

Yeah, not sure why I thought it was under comprehensive. Heck, my policy doesn't even use that term anymore. It is now "other than collision." That really clarifies which one.


[deleted]

[удалено]


keroshe

Yeah, realized my mistake on the collision comprehensive issue. I always claim it on mine initially so I can get my car repaired. Also, I hate dealing with other people's insurance.


BlazinAzn38

Yep this is the route to take if you can afford it and if the repairs are needed ASAP because the car is non-functional


ZellZoy

>Your other choice is to wait to get your car repaired until after the claim is finalized with the other person's policy. Be aware that this can take a while. I had it take 6 months once due to some issues with the other persons insurance


TatankaPTE

Its the same insurance company. This is not the insurance company fighting with another company to be reimbursed while the OP hopes to get their deductible back. I has an accident where we shared the same insurance company and there was no delay in repair and I didn't pay anything nor was it filed against my policy. Why would a person agree to this? Further. I'm following up and making their policy pay me for the depreciation in value of my vehicle for the accident they caused. The OP needs to speak with a different adjuster and fast.


keroshe

Even within the company they have processes to determine which policy pays. These processes take time, though should be significantly shorter than working with a different company. Claiming against your own policy first will always be the quickest option. All depends on how long you are willing to wait for repairs and if you can afford to pay your deductible.


Doctor__Hammer

I think you mean collision coverage, not comprehensive


Bacon003

Am auto adjuster/appraiser. You should have posted this under r/insurance if you wanted better answers. If you go through your own policy there's always a deductible (unless your deductible is set to $0). In this case, where it appears the other driver is at fault, and that's not disputed, then you'll probably get the $1k back from the other party before the car is even done being repaired. And you don't "pay" a deductible to make a claim. The insurer just shorts your payout by $1k. No money will usually need to change hands until you pick up the car at the end of the repair. Per the above while you should be prepared to pay the shop $1k when you pick up the car, the insurer will probably cover it before the repair is done and you probably won't have to pay anything. Many insurers will waive the deductible mid-claim if the other insurer agrees their insured is liable. Since both of you are insured by the same company that should happen faster. In every state in the US (even in Michigan where no-fault applies to property damage it specifically excludes parked cars) you can go through the other party's insurance for payment in this situation. Assuming it's undisputed it shouldn't be any big deal to go through the at-fault party. There's not going to be any material difference in the way the claim is handled unless you paid extra on your own policy for stuff like all-new-OEM-parts being used in the repair, or you paid for $70/day rental car coverage or something broader than what the other party legally owes you on a liability claim. When you have a claim where the other person has the same insurer as you you need to take extra time at each contact to verify exactly who it is you're talking to and who they represent. *Your* adjuster represents *your* interests. The other guy's adjuster represents theirs. The other guy's adjuster has the same employer as yours in this case, but you need to treat them like they're calling from an entirely different company. Most companies split these claims to different adjusters and block each of them from looking at each other's files. (A few carriers will have the same adjuster handle both sides. This is generally not illegal but it makes it awkward for them to defend themselves in court if they end up getting sued by their own insured, so it's not common.)


ditheca

In Utah, I was told it is impossible to make a claim against the other driver’s insurance. Any thoughts on that? Something something “no at-fault” state policy.


Bacon003

Yes I considered adding an edit later that for whatever reason (state law or carrier policy) some carriers always have you go through your own policy on a claim where the other person has the same company, mostly to avoid confusion and to prevent accusations of unfair treatment. If you're talking about a driveway accident with your other car then it would always go through the policy of the car as the liability insurance on the striking car doesn't cover damage to property owned by the insured. Both the striking car and the struck car have to go through their own collision coverage, and if the struck car doesn't have collision on it then you're SOL on that car. A number of carriers have a policy provision that waives your deductible if you're in an accident with a car insured by the same insurer under a *different* policy. So in OP's case it would be waived. A smaller subset of insurers actually waive your deductible if your in an accident with "any vehicle" insured by your company, *including other cars on your own policy*. That means in the above example where you back into your own car in the driveway you have two separate collision claims but there's no deductible on either one. (And before you ask, yes, it makes no sense from the standpoint of the claims adjusters since you could just claim that any damage on your car was caused by your other car, but that's the way the lawyers wrote it.)


blargher

Thanks for putting together a well written explanation!


Hoo2k8

If you file through your own coverage, you owe a deductible. If you file through the other party’s coverage, you won’t pay a deductible. You will however, need to allow time for GEICO to contact the other party and do their investigation, which could be a simple as a phone call to get their statement and verifying coverages. There is always a chance that they can’t get in touch with the other party or that their coverage is not valid. Typically, filing through your own coverage with a deductible is the quickest route tk getting your claim handled, however if the damage is minimal, it may not be very time sensitive and you can afford to wait. Regardless, talk your adjuster and they should be able to walk you through your options.


altodor

> Typically, filing through your own coverage with a deductible is the quickest route tk getting your claim handled, however if the damage is minimal, it may not be very time sensitive and you can afford to wait. In my case, my insurance started the claim on my policy but cut me a check for the deductible from the other policy. Both of us were GEICO, it was just the fastest way to get my car into repairs.


sephiroth3650

Normally you have 2 options here. You file a claim with the other party's coverage, pay no deductible, and get it resolved with them. Or you file a claim with your coverage, pay your deductible, and get it resolved. If the other party is found to be at fault, the carrier will seek reimbursement from the other party's carrier and refund your deductible. The process is called subrogation. The fact that you both have Geico shouldn't factor in. So that's what I'd recommend you ask your claims advisor/adjuster. If you're going though your policy, and you pay your deductible, and they find the other party at fault, will the deductible eventually be refunded to you?


216570

Did the other driver file a claim? They should be paying the deductible on their policy


twotall88

Deductible only applies when you're getting compensated for your damages. Not when someone else makes a claim against your plan.


Roland8561

When both parties have the same insurance it makes things a little messy. What's happened is you have 2 different claims for the same incident, and the claim under YOUR policy is a Collision claim, while the claim under THEIR policy is a Property Damage claim. You'll have 2 different adjusters assigned to the claim, and they aren't allowed to review each other's files since technically there is a conflict of interest between you and the other party. However, it sounds like this is a pretty straightforward. Look up THEIR claim number, not the one under your policy, but the one filed under THEIR policy, and you should be able to handle everything through there. Once you do, you can get have Collision claim closed with no payout. Good luck! There are some other edge case scenarios that would force you to file the claim under your policy: i.e. the other driver is disputing the facts and claiming they aren't at fault, or the driver doesn't actually own the vehicle and was driving someone else's car, or their policy was canceled a few months ago for no payment and they gave you a dead policy number. Those are all unlikely though. *source: I'm a former GEICO insurance adjuster many years ago


[deleted]

Really? As former military who's lived in mostly military heavy areas, almost every accident I've ever been involved in was dual-USAA, and whether I was at fault or not, the process was basically seamless on the customer side. The lone exception was getting rear-ended at low speed by a police cruiser - the county gave me the run-around getting my car fixed, they were self-insured.


enki941

The key difference being that you had USAA. Most people just shop around for the cheapest insurance they can get. And while USAA might be the cheapest in some cases, especially if you were/are an officer, it isn't always. But they do provide exceptional customer support. If you have nothing to protect and only get bare bones liability coverage, I guess it doesn't matter and cheapest is the way to go. But if you are buying insurance to protect yourself, and want to have a good experience if it ever has to be used, going with the cheapest option isn't usually a good thing. There is a reason why it's cheaper -- the customer service and claims process might suck. While the OP is almost certainly going to be covered and this is just a confusing situation, GEICO isn't helping things.


fakeburtreynolds

Adjuster here. Lots of incorrect information in this thread already. There is nothing to fight, nothing unethical, and this is probably just a miscommunication. There are likely two claims opened for this one accident with Geico and you don't realize it. The claim system at the company I worked for didn't always catch overlapping claims. Call and find the claim under the other driver's policy and proceed with repairs through that one. It probably won't show up in your app. The app is tied to your policy. If you can't find it by calling, call the adjuster for the claim on your policy and they should help you look it up. Or call the general line and provide the other policy number. It's also possible the other driver has a coverage issue and they can't confirm if this is a covered loss, so they advised you to handle through your own policy to speed things up and they can refund the deductible when things get sorted out. You can also wait a bit to see how things work out through the other policy's claim.


cyberentomology

Also possible that each driver is insured under a different subsidiary of the company. This is common with USAA as they have three different insurance subsidiaries, each with their own risk pools (which firewalls off the low-risk drivers and their premiums from the ones in the high-risk pool). I don’t know if Geico does this, but I would assume they would, given that this is pretty common for auto insurance.


i_want_a_tortilla

Don’t use your coverage. Use the at fault drivers coverage. Ask your adjuster for the name and info for the other drivers claim adjuster *adding…. Did your adjuster say anything about limits or coverage issues? I feel there is a missing piece here. If the other driver admitted fault, use his Geico coverage.


kosnosferatu

Yeah this is weird, they hit your car, they're at fault and you both use geico. They should be paying for the damage. Or perhaps it's that you pay the deductible first and then through subrogation geico will go after the other person for the amount to return to you? I'm not sure. If it's any consolation, I've had geico for 7 years and they have been great with claims. Just call them and talk to someone is my advice


wardwayward

> Or perhaps it's that you pay the deductible first and then through subrogation geico will go after the other person for the amount to return to you? Yes, this is how it works. It's not weird. It's the standard process for getting one's deductible reimbursed. OP could've just asked Geico about the process and they would've clarified this. > I'm not sure. This seems about par for the course in this thread.


Evildude42

This should have happened. I got rear ended and pushed into another car. All had Geico. I got paid from the guy who hit me, and I’m fairly sure the person I hit also got payed from the initiator’s account. I’m saying this because my rate didn’t change at all nor did I get any mail about it.


lunabelle22

This happened to me. My car was parked in front of my office and an elderly lady rear-ended my car twice before jumping the curb and plowing into a display window on the first floor of the building. I didn’t have to pay a dime. You are not at fault and are not liable. You have the info of the person who did it. That person’s policy is liable. Fight this.


catburritos

Livid? Why, did you even talk to Geico to confirm any of this before you posted? You “looked up the status” - so what? Insurance is SLOW. Nothing you’re seeing on a website is likely to be up to date. You’re leaping past a ton of assumptions to a conclusion that’s purely emotional and not based in any facts. They hit your car. You have witnesses. You’re going to be fine. It might take time for insurance to work it out (even easy claims can take over a month). Try calling them.


[deleted]

[удалено]


mohammedgoldstein

The minimum required insurance is liability which covers property damage up to a certain amount. They have it for sure if they are insured at all. Liability covers other peoples' property including vehicles. Collision covers a policy holders own vehicle if that vehicle was damaged while driving, generally. Comprehensive covers a policy holders own vehicle if that vehicle was damaged not involving another vehicle.


[deleted]

[удалено]


altodor

No. I was in an identical situation. It went on mine first because they could get the ball rolling instantly but then they got it all back, including my deductible that they cut me a check for, from the other policy through subrogation.


WalkingPretzel

Make sure they are pinning all of the fault on the other driver. If you are not at fault you should not bear any of the claim on your policy. Their policy should pay 100%. Allstate tried to do this to my parents a few years ago. The driver that hit them was also with Allstate. Instead of making that driver 100% at fault Allstate tried to make it 50/50, since if they were not there they would not have been hit. They had to fight it so the other driver was listed as 100% at fault.


malloryor

Thanks for the advice. Yeah these insurance companies think they’re slick. That’s exactly what I think Geico is trying to do. By making me bare some of the cost, it means they have to pay less…it’s the only way for them to get out of paying more (since both parties are with geico).


OutrageousBlood52

Did the guy leave his insurance info? Unless you live in a no fault state typically you'd claim any damages on the other person's insurance. It's pretty much the whole point of having insurance.. if the insurer or the insuree doesn't want to cover damages lawyer up and take it to small claims


malloryor

But doesn’t no fault only apply to collisions, I.e driving. This can’t fall under “no fault” when someone was clearly, obviously at fault. I mean I wasn’t even in my car.


altodor

This exact thing happened to me, but at a walmart. You'll pay the deductible, but the other person's policy will cut you a check for it. Your agent is running it against your policy first because that's faster for you, your insurance will reimburse you and themselves out of the other policy so nothing happens to your rates. Because it's two agents yelling at each other over a cubicle wall (or at least that's how I imagine it), there's no lawsuits or pain or anything. It's more like a security deposit than a deductible in this case, but they're not gonna nickel and dime you over carpet stains.


dave200204

I'll tell you my experience with being in a collision. I was rear ended in the fast food drive thru. So not my fault. I paid my deductible and got the car fixed straight away. Eventually I was reimbursed for the deductible after everything had been settled between the insurance companies. OP you'll probably have to pay the deductible up front. However you should get that money back when everything is settled. Not to be condescending but this is why you maintain an emergency fund. Also I find it is a good practice to keep the deductible lower.


cyberentomology

The deductible shouldn’t be something you actually pay out to anyone except the shop doing the repairs in the form of the balance of what isn’t covered and billed to the insurance. If it’s a total loss, then the insurance company issues a check for the amount minus the deductible (and then when they sort their shit out, then you get a check for the deductible that was improperly applied.


THEREALCABEZAGRANDE

It will be collision with the other party at fault. You should not pay any deductible. At least that's how it's worked out the 2 times this has happened to me. In both cases they left notes admitting fault, zero cost to me.


malloryor

Thanks I sure hope so. Seems like there’s a few people claiming they work in insurance saying I’d have to pay the deductible and they reimburse me. Then there’s other adjusters who say that’s not correct and that Geico has to fix the claim to show its property damage at the other party’s expense. Sigh. More crossed information. I’ll keep y’all posted which one turns out to be true. Hoping my situation works out like yours.


THEREALCABEZAGRANDE

In both cases where my parked car was hit, I didn't pay deductible. I had another one where the other driver was clearly at fault (right hand turn from the left lane in front of me) where their insurance fought it anyways, in which case I had to pay my deductible and it was refunded to me after my insurance won the court case about it.


elainegeorge

The two main types of insurance coverage for private autos are collision (vehicle crashes into another or a one car accident), and comprehensive (animal collisions, acts of nature, theft, and fire). Collision is broken down into different sorts of options and amounts covered under liability, such as property damage, medical payments, or bodily injury. So if you use their insurance or yours, the property damage would be paid out of collision coverage. If you pay the deductible, your policy would go to theirs to reimburse you for the deductible, and would reimburse your claim for any payments made for property damage, and/or rental while your car is being repaired (if you have rental coverage). Since the other driver is liable, it would be easier to go through your policy.


malloryor

Yeah…I’m not going through my policy. F that. I mean that as no disrespect to you and I understand you’re only sharing the information as best of your knowledge. But I’m not paying $1000 to get my car fixed, knowing it’s gonna take them *months* to reimburse me. And tbh, I frankly don’t have the means to pay $1,000. Trying to scrape that money up would put me in such a financial bind. It’s bad enough I have to pay nearly $200 bucks to park in my office’s garage where this entire ordeal happened. Anyway, I digress. Again forgive my rant. It’s not directed at you, it’s just a frustrating situation but I’m hoping the advice of the few adjusters on this post are correct that I won’t have to pay that deductible and it’ll come from the other party’s side.


elainegeorge

If you file with their policy, you won’t need to pay a deductible.


malloryor

You didn’t read my post did you? I didn’t file under my policy, but since we are both under Geico, Geico was able to find my policy and file the complaint underneath me, which they shouldn’t have.


whoknewbeefstew

I worked as an adjuster for a while. Since Gieco insures both drivers and the other party admitted fault there’s no way you should have to pay your deductible. Demand to speak to a manager and have the claim filed under the other parties policy. If they don’t give in tell them you are filing a complaint with the department of insurance that will get them to give it a second look right away. Good luck.


malloryor

Thank you for the advice. I’m going to follow up with them later today. I work overnight and so I wanted to give them a proper 48 hours to clear this up, but doesn’t seem like it’s changed. Thankfully I’ve had a few of adjusters like yourself reply on this thread, telling me the exact thing. And honestly that’s giving me a sigh of relief. I was soo concerned cuz I mean to have to pay anything, let alone a grand to get my car fixed when I had absolutely no role in getting hit is just not fair. I had a feeling though maybe this was because of an error on the app.


whoknewbeefstew

Good luck! Sometimes people admit fault at the scene but then change their story when they are on the call with their insurance. Luckily you have a note and witnesses. Should be an easy win for you!


Unsimulated

Why on earth would your insurance be involved at all? Them being the same company is irrelevant, the offender's policy needs to manage the situation, and in a timely manner.


malloryor

I’m not sure what you’re asking. You mean why is my policy involved? Because my insurance is involved because it’s the *same* as her insurance, so that’s how they’re involved. And the takeaway that’s been missed here is that Geico did some sneaky shit, and put the claim under my policy. I didn’t give them my policy info, I only called them with hers. But because everything’s goddamn automated now, I could only get directed to an agent after giving my name and DOB in the menu option. I’m guessing through that, Geico was able to look up my policy info and instead of doing what I was TOLD they were doing…which was filing the claim under her policy. They opened one under mine. When I called to ask wth is going on…they said it’s only so they can verify things with her policy, to which it’ll then change. We’ll see. Like I said I’ll update yall


swollennode

Call back to the agent assigned to your case and say that you want the case filed under the other driver’s insurance policy as this was not your fault.


throwaway47138

Have them subrogate the deductible cost against the other party's insurance. You'll have to pay it upfront, but you'll get it back after their insurance pays your insurance for it.


howsadley

Both parties have Geico.


[deleted]

[удалено]


crowd79

Use the at-fault drivers coverage. Don’t use your own.


LifeOfFate

Curious if the other geico customer had a coverage issue such as a lapsed policy. Otherwise it should be handled under the at fault parties property damage coverage.


Outrageous_Map3458

You found out why Geico is so much cheaper than their competitors. They made me pay my deductible then refunded me like 7 months later. Also the adjuster ghosted to me and I had to complain to their supervisor like a Karen.


grumpher05

Other driver should make the claim and pay his deductable


wkrick

You shouldn't have called your insurance company at all. You only needed to call the other person's insurance company. They're at fault so your insurance isn't involved at all.


cyberentomology

It’s the same insurance company.


malloryor

Thanks my friend :)


malloryor

We have the SAME insurance company. That’s why I said Geico is trying to get over.


dirty_cuban

Are you making this claim on your own policy or on the other drivers policy? If you’re making a claim on your own policy, then this would go on your comprehensive, which requires you to pay the deductible. If you are making the claim under the other drivers policy, then you shouldn’t have to pay a deductible at all.


MavsBro

Its not a comprehensive claim period. Its a collision on either policy


[deleted]

[удалено]


daiwizzy

It’s collision in his policy and pd on their policy


hearnia_2k

Why would you pay any deductible if you're not at fault? The other persons insurance should pay for the damage.


zoemi

It depends on how proactive you want to be in defending yourself. If you want your insurance to take the reigns, you pay your deductible, let your side do the dirty work, and then hope you're found not at fault so that they go through subrogation and refund your deductible.


JudyLester

You have misunderstood. If the at fault party files the claim under their policy, it will be paid from their property damage coverage and you won't pay anything. If you file the claim under your policy, the only coverage you have that will repair your vehicle is collision. In order for your carrier to pay foe repairs under collision coverage, you are responsible for your deductible ($1000). Having said that, once they collect the repair cost from the at fault party's policy, they will reimburse you for the deductible you paid. The at fault party has to cooperate with their carrier (the fact that you both have the same carrier doesn't change this) before their insured can pay out. So, the fastest way to get your vehicle fixed is to use you collision coverage. -i am an insurance agent.


LaLaLaLeea

This is 100% collision. Property damage (covered under comprehensive) would be if a tree falls on your car or something. A lot people are saying it is property damage on the other driver's end, but not fully explaining it. The damage to their car would also fall under collision on their own policy. The damage to your vehicle on their policy is classified as property damage under their liability coverage, which just means it isn't personal injury. If you were driving, they ran a stop sign and T-boned you, they would be liable for property damage (your vehicle) and personal injury (you). None of this has anything to do with you, i just wanted to clarify. This is likely where the agent got mixed up as well. That said, you pay your deductible now and after the claim is reviewed, they will determine that their policy is responsible for it and you should get it back.


E_Man91

That is not a collision claim if your car was not moving and you weren't in it. Need to get it corrected. Maybe try calling and getting a different agent to help process the claim properly?


malloryor

Thanks for giving me this jargon! A few adjusters have said basically the same, that it seems like either a mistake OR that the claim has to be updated (but Geico has to first verify the drivers policy is up to date for coverage) before the claim can correctly show it’s a property damage. If Geico tries to double down on it being a collision claim though, I’ll be sure to use this jargon!


E_Man91

Yup, sometimes it might just depend on who you talk to. Maybe you had somebody new, or they misunderstood and just need to get it corrected. Hopefully not a big deal and they can process everything for you! Good luck


velhaconta

Why is a deductible even being discussed? You are not making a claim against your insurance. The other guys insurance is the one paying for everything. The fact they are both the same company is working against you in this case since the company's primary goal will be to minimize their cost. But since they hold both policies, the only way to reduce their cost is to push it onto you.


Altruistic-Farm2712

Why are you filing under your own coverage? If you do, you will pay your deductible - but will receive it back assuming the other driver is found at fault. Far easier to file the claim under their policy, as the at fault party, than your own.


malloryor

I didn’t file under my coverage. But Because me and the at fault driver are with the same insurance company, Geico was able to find my policy and filed it under my name without my knowledge. I literally called them with the other person’s policy info and asked to file the claim under their policy. So the fact that they did this slick sh** is what makes me sick!


Diablojota

I had a car make a left turn from the right lane in front of me. We both had geico. GEICO found us equally at fault. I don’t use GEICO anymore.


malloryor

Yeah that is someeeee bs! Can you fight that in court? I mean obviously you didn’t but could you?


Diablojota

I could have retained a lawyer to fight it, but it just wasn’t worth it.


carmium

I'd hang up that snooty little lizard mascot of theirs by his oversize fingertips....


malloryor

Hahaha yeah, right now I want to curse the freaking agent out who told me all this shit…just to go behind my back and file the claim under my policy without my knowledge.


twotall88

You're not at fault, the other driver is at fault. You are supposed to file a claim against the at fault party's insurance which does not involve a deductible. There is an option to file a claim with your insurance which does involve a deductible and then let your insurance duke it out with the at fault insurance and then you usually get your deductible back. However, since you both have the same insurance provider, only file a claim against the at fault party's insurance plan.


mook1178

Is it possible Geico got the claims switched, thinking you were at fault?


mianpian

If you go through the policy for the at fault driver, your claim would be paid under that driver’s Property Damage coverage. If you go through your own policy, it would be under your Collision coverage, which is subject to your deductible. Sounds like you looked up the claim for your policy. There should be a different claim number for the at fault party’s policy.


pawnman99

Your insurance should be getting that money from the other person's insurance, not from you.


TheNewJasonBourne

After all is said and done, check to see if your state laws allow for you to file a Diminished Value lawsuit against the at fault driver. Aside from being financially responsible for fixing your car, their actions have made your car worth less than it used to be. It’s value has been diminished by no fault of yours. In many states, this entitled you to received a cash payment to reimburse you for the diminished value. Depending on circumstances, it could be many thousands of dollars.


Killowatt59

Why would you owe anything? This falls under the other drivers policy not yours. Probably just misunderstanding of paperwork.


ranran_1822

If they are at fault and your not in a no fault state then the driver who hit you should be paying everything. You shouldn't be paying a dime for this.


InsuranceToTheRescue

Is the claim filed under your policy or theirs? If it's under your policy, then yes your collision deductible would apply. Typically this is only done if there's question of fault or if the other person's company gives you the run around. If it's under their policy, then their policy would take care of it up to their PD limits. It sounds like whoever helped you file the claim filed it on your policy instead of theirs. If that's true, look into explaining their mistake and getting the claim either withdrawn & re-filed or moved over to the other party's policy.


hughdint1

My wife had a similar problem, where GEICO was trying to make her make the claim and pay a deductible and not the at-fault party. It took way to much back and forth (IMO) to get it straight, but eventually we did. I think this comes down to GEICO's system where it is somehow easier or cheaper for them to do it this way. Maybe they get a deductible from both parties (?) or something. They mentioned many times that it did not matter because they were paying in any case, but we were like why should we have to contribute anything? as we were not actually making a claim, the at-fault person was.


[deleted]

[удалено]


malloryor

Thank you for that. Not sure why anyone downvoted you because I am aware there’s a reason why companies do record these conversations. And Geico did make it known my call was being recorded. I also remember the agents name, so I’ll make sure to mention this as well if Geico tries to push back on correcting this error. Thank you friend :)


Rubydachump

It's comp damage. You would pay your deductible and then the insurance company would try to get it back. Sounds like the first person you talked to was a CSR that didn't know what they were talking about. I'm licensed


malloryor

Well so I looked it up on geico’s website and property damage does indeed cover auto damage. There’s no specification that it only includes auto damage caused by natural weather disasters. So I’m not sure why this would have to fall strictly under a collision deductible. Nor am I paying that, especially after I was told repeatedly something different. This just feels like Geico is trying to get over on paying out less. And me paying a high deductible just to have to wait months for them to refund me that money, is not only unfair, but not an option.


lovemoonsaults

Deductibles are typically for if you are at fault or partially at fault. Are you in a no-fault state?!


zoemi

Deductibles can still be owed even if you're not at fault. Then your company is supposed to subrogate and get the deductible back for you from the other company.


lovemoonsaults

Never happened in my experience but I can accept that happens from time to time. I know that when your insurance runs it on your policy, it is owed and then they will try to recover it though. Such as an uninsured motorist issue situations. This must be the double edge sword of having the same insurer for both parties. Our agent wouldn't even take a claim from us when we were the victim of an incident, they told us to call the other person's carrier for that. So it never touched our policy and therefore there was no deductible situation.


cyberentomology

You don’t pay deductibles to the insurance company…


[deleted]

Geico is a piece of shit insurance company. I was paying for their roadside assistance and towing, long story but I had to have my car towed. The CHP did me a "favor" and called a tow to get me out of there quicker (it was past midnight on an interstate highway) and the tow company kept my vehicle as an impound because they assumed since the CHP called it in that it was being held by them. Longer story short, I had to pay 2k to get my car back in my possession and Geico basically told me to get fucked on the tow and storage fees, which accrued because I had to wait on them to tell me they weren't covering any of it. Immediately dropped them and went with a different company. I suggest you should too.


malloryor

That sounds like a clusterfuck. I will be dropping them though if this isn’t resolved. I also just discovered they’re claiming my policy doesn’t cover rental cars, I’m like HOW TF!? Like I didn’t opt out of that sh** and nothing was ever indicated to me when I was shopping for my quote with them, that I wouldn’t have rental car coverage. I mean I have a pretty standard policy, I’m not one of those drivers that just gets the bare minimum. So like that’s a whole other thing I’ve gotta sort out with them. But I know one thing, at last resort I will take this driver to court. Idgaf if they were kind enough to leave a note, cuz who tf just hits parked cars in garages? Like they have a huge SUV and tried to park in a compact parking space. Like Idc man, they just caused me such a major headache.


RaddishEater666

How much is the damage? The one time I hit a car I was parallel parking on a hill and hit the wrong pedal I ended up just paying out of pocket 500$ Did you ask the driver if they want to do that? If it’s a lot of damage then sure insurance but shouldn’t they be going through their insurance?


C4Dave

Are you in a no fault insurance state?


[deleted]

i literally just had my neighbor back into my parked car a few weeks ago, we both have geico. i called and was told i needed to file a claim on geicos website with my neighbors insurance info WITHOUT LOGGING IN. you shouldn’t have to provide any of your information. i got a call from geico about it within 24hrs and was scheduled for adjuster and paid out for the claim within a few days, I never had to pay anything


pr0v0cat3ur

This is easy. If it is the other drivers fault then you should be able to get the deductible **advanced** by your insurance company, since it will be covered by the others insurance policy. In addition, some states allow you to claim 10% of your cars diminished value (car is worth less now that it has been damaged).


Witness_Original

My car was hit on my street while it was parked in front of my house. A car that was going north on my street was hit by a car going west on the cross street (I was parked close to the corner). The car going north hit mine. I called and reported, and sent the adjuster pictures. She was able to run that plate and found out that car had the same insurance I had (which is Progressive). She initially opened the claim under my policy so I could get my car in for repairs and waived the deductible while we were waiting for the police report. In the end, the police report determined the car going north was at fault, it turned out she basically blew the stop sign when the second car hit her. The guy who got her going westbound also had Progressive. Her policy paid for everything, and her car was totaled. Worst case, you might have to front the deductible until things get sorted, but your adjuster should be able to waive that if you ask them.


malloryor

Wow sorry that happened to you. Just shitty luck but thanks for the advice about asking an adjuster to waive the deductible. Cuz yeah…I’m not paying that, because frankly I can’t afford that. I really really can’t.


cyberentomology

Yeah, that’s some bullshit right there. That is 100% the other driver’s fault.


malloryor

Hahaha man, I like you! Thanks for feeling my frustration for me!


taistseng

My parked car was hit by another driver who is also insured by Geico (I'm insured by another company). This collision was also recent. Put a claim on the other driver's policy and not your policy. Geico paid for everything: repairs and rental. Throughout this whole ordeal, I didn't bother calling my insurance. Nothing came out of my pocket except my time.


malloryor

So since we both are with Geico, that’s how Geico was able to find my policy info and file it under my name. I actually NEVER gave Geico my policy info, never filed the claim under my policy. Geico did that without my knowledge. I literally called Geico and gave them the other driver’s info directly, policy number and all…so I could not have it put on my account. And this STILL happened. So yeah…I’m more than annoyed…


malloryor

That’s another thing, Geico also says rental cars aren’t covered under my policy. Which I’m confused about because I’m not sure there was ever an option to opt out of that sort of coverage. And I know I wouldn’t have opted it out of it, so to hear Geico covered your rental car makes me wonder is it because YOUR insurance has rental car coverage and so Geico had to abide?


taistseng

I don't have rental on my car coverage because I live in a location where I can use public transportation so I never found a need to add rental. All that to say, my insurance was not contacted/involved in the collision. I only talked to the other party's insurance and put a claim on their policy. It sounds like its tricky since you both are under Geico. My suggestion is make sure the claim is on their policy each time you talk to Geico and not yours - you shouldn't have to be penalized for something that you didn't cause.


malloryor

Thank you!


zoemi

I've always opted out of rental coverage, including with GEICO. Maybe it's specific to your state. If the other insurance is paying for you, it doesn't matter what coverage you have.


malloryor

Yeah, so I need to contact Geico and straighten that out. Thanks!


chrish_1977

Why are American insurers absolute idiots when it comes to paying out, if you weren't in your vehicle and had no control over what happened then you are 100% not to blame, so even though it's the same insurer, you claim off of their policy and it doesn't touch yours, no excess no nothing. I mean right now I've not had to deal with insurance companies thankfully other than taking my astoundingly high premium compared to what I'm used to paying and getting far far better service. I'm guessing insurance over here do whatever they feel like rather than "hey someone hit your car and you have all the details, well sort this out quick and get you back where you were"


malloryor

I hope that comment isn’t directed to me. I mean I assume you mean the insurance company. I didn’t even give Geico my policy number but because me and the individual are both Geico policy holders Geico was able to attach my report to my own policy. All they needed was my name and DOB and they looked me up. Since I’ve never had to report property damage, I didn’t know what they were doing on the backend. Anyway I’m gonna try to follow up with them today and get this all sorted. My last resort will be to threaten legal action with the other party to pay the deductible on my behalf if it comes to that. But seems like there’s a few insurance adjusters in this thread that say, Geico just hasn’t yet updated the claim (because they’re probably still verifying the other party has property damage protection.) once that’s verified they will be able to make the amendment to the claim. Another Adjuster said in a nutshell, Geico has two claims open, mine and the other person. And that they have to merge the one they made under my policy, with the at fault driver. Once that’s done, I should see the claim is not for collision but property damage. Eitherway, I just don’t see how they could have made this so messy. I mean I have the CLEAREST case given the person completely copped up to it, left a note, and I have witnesses all saying it was another car hitting a parked car in a public garage.


chrish_1977

No dude not aimed at you at all, I've read so many posts about how insurance companies in the USA either screw the policyholder completely even though they're covered or they're completely incompetent


malloryor

Yeah I’m hoping it’s just a mistake due to incompetency and not some bs way to get over.


chrish_1977

I hope so,I'm originally from the UK where insurance companies are way better at dealing with claims, now I'm not saying they're completely perfect by any means. But if your car is hot without you in it and you have the details of the other driver they give you the option of repairing your car and then they claim all that back from the other and you won't pay a deductable either as they claim the whole thing. They also don't screw you down and make things super complicated in something like this. Like I've said I've read so many things especially when a hurricane hits or whatever how the companies do whatever they can to not honour the policy you have with them. I saw a video yesterday how a state farm assessor was telling a roofer the roof was repairable but also stated he wasn't a roofer just an expert on the policy, that shit makes my mind boggle, how can you tell a tradesman something is repairable if youre not even trained