Today, a lady backed into me while I was driving in a parking lot. I filed a claim, and she’s at fault. The visible damage is just scratches and scuffs, but I felt the car move a lot more than just from the hit. I’m getting the car checked out since I have full coverage. The insurance also asked me about my daughter’s car seat. What should I expect with this claim?
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Are you using your own insurance coverage, or are you filing a claim with the other driver’s policy?
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My own insurance coverage.
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Here’s how the process works: You’ll first pay your deductible and take your vehicle to a repair shop. They will provide an estimate for the repairs, which your insurance will cover, provided the labor rates are reasonable. Once the repairs are complete, you’ll get your car back. If you have rental coverage, you’ll be given a rental car during the repair period, within the limits of your policy. Make sure to buy a new car seat if needed and give the receipt to your adjuster for reimbursement.
Your insurance company will then try to recover the amount they paid, including your deductible, from the other driver’s insurance through subrogation. If they succeed, you’ll receive a check for your deductible. If they don’t, you won’t get reimbursed. A not-at-fault claim will be added to your loss history, which can affect your insurance premium for 3-5 years, depending on your state’s regulations.
The subrogation process can be lengthy, so it’s best to move on and consider any reimbursement you receive as a pleasant surprise.
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Okay, thank you. I have a CW waiver, so my deductible has been waived.
I also have her insurance details as well.