Insurance problems
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Joined: Sep 2006
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From: Lehigh Valley, PA
They're trying to save themselves money. That's all there is to it. Tell them you want full arbitration and you'll wait it out. Nothing to lose on your end by waiting, that's for sure! Your insurance company would be smart to just pay you the $100 themselves since it will cost them way more to arbitrate the claim.
I figured as much. There's no other explanation for their refusal for full liability. They save around $800 by making accident 20% my fault. I do have one thing to lose. That's $500 on a credit card that I don't have the money to pay off right now because of other bills and Christmas, so there's interest to build on that for the next 3-4 months until it's paid off. My insurance company is giving me the choice of getting accepting 20% blame, and getting $400 back from the $500 I paid right away, or going into arbitration to collect all $500 which will be months from now. I'm leaning towards just taking the $400, and getting this over with. Thanks!!
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Joined: Oct 2009
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From: New Market, AL
Usually, if you are not at fault, the insurance companies handle it with very little to do on your part. Some do have a policy that you pay out your deductible first to get the car repaired ASAP and then get reimbursed once the case is settled between the companies. Progressive should be fighting on your behalf to make it a 0% fault accident on your part though. I would not accept 20%, but I can understand the financial impact you may be facing.
Good luck.
Good luck.
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Joined: Jul 2006
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From: The South
Originally Posted by JonBoy' timestamp='1320271874' post='21123427
They're trying to save themselves money. That's all there is to it. Tell them you want full arbitration and you'll wait it out. Nothing to lose on your end by waiting, that's for sure! Your insurance company would be smart to just pay you the $100 themselves since it will cost them way more to arbitrate the claim.
I figured as much. There's no other explanation for their refusal for full liability. They save around $800 by making accident 20% my fault. I do have one thing to lose. That's $500 on a credit card that I don't have the money to pay off right now because of other bills and Christmas, so there's interest to build on that for the next 3-4 months until it's paid off. My insurance company is giving me the choice of getting accepting 20% blame, and getting $400 back from the $500 I paid right away, or going into arbitration to collect all $500 which will be months from now. I'm leaning towards just taking the $400, and getting this over with. Thanks!!
Joined: Apr 2006
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Originally Posted by RedCelica' timestamp='1320257833' post='21122639
I'm a bit lost as to why you paid a deductible in the first place? You should have had to pay $0. If the accident wasn't your fault, as determined by the police report, then it's not your fault at all.
Now, legally, if you've signed any paperwork agreeing to this, or gave any sort of authorization for them to do this verbally (assuming the call was recorded), then you are now stuck.
You may want to look into getting an attorney at this point.
All in all, I don't see Progressive as being the bad guy here, but State Farm.
Now, legally, if you've signed any paperwork agreeing to this, or gave any sort of authorization for them to do this verbally (assuming the call was recorded), then you are now stuck.
You may want to look into getting an attorney at this point.
All in all, I don't see Progressive as being the bad guy here, but State Farm.
A.) wait it out and see what happens
B.) pay your deductible and if it goes your way, get reimbursed.
I have been in a similar situation too. I chose to pay rather then wait. In the end I wasn't found at fault and was reimbursed.
It looks to be in your favor so expect to get money back, how long it will take? who knows
Joined: Apr 2006
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Yeah, depending on the insurance company. I had USAA and I knew they would do whatever they could to get me my money back. They are a top notch insurance company. There are some really really shitty ones out there tho that don't care about even their own customers.
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Joined: Jun 2010
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From: San Francisco
State Farm saw it differently because they don't want to pay you out. Your best choice is to talk to an attorney about it. I had the same case as you when the guy rear ended me on my rsx-s, his insurance company AAA were trying to say I brake checked him, however, I had witness from another vehicle that there was a major traffic at time and blah blah blah. But yeah, you should talk to an attorney about it. I won the case with 2000$ for my own pocket since I went to the doctor and everything 
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Joined: Sep 2006
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From: Lehigh Valley, PA
Originally Posted by S2K-DJ' timestamp='1320276904' post='21123685
[quote name='JonBoy' timestamp='1320271874' post='21123427']
They're trying to save themselves money. That's all there is to it. Tell them you want full arbitration and you'll wait it out. Nothing to lose on your end by waiting, that's for sure! Your insurance company would be smart to just pay you the $100 themselves since it will cost them way more to arbitrate the claim.
They're trying to save themselves money. That's all there is to it. Tell them you want full arbitration and you'll wait it out. Nothing to lose on your end by waiting, that's for sure! Your insurance company would be smart to just pay you the $100 themselves since it will cost them way more to arbitrate the claim.
I figured as much. There's no other explanation for their refusal for full liability. They save around $800 by making accident 20% my fault. I do have one thing to lose. That's $500 on a credit card that I don't have the money to pay off right now because of other bills and Christmas, so there's interest to build on that for the next 3-4 months until it's paid off. My insurance company is giving me the choice of getting accepting 20% blame, and getting $400 back from the $500 I paid right away, or going into arbitration to collect all $500 which will be months from now. I'm leaning towards just taking the $400, and getting this over with. Thanks!!
[/quote]
I'm paying about $40 in interest if I don't accept the 20% blame and have Progressive fight to make me 0% at fault, and get the full $500 back eventually. If I accept it, I am paying $100 and getting it over with. I spoke to a manager, and he assured me that accepting the 20% blame will have no impact on my insurance rate since they have me 0% at fault, and did not pay to have the other driver's vehicle fixed. This of course will likely force me to stay with Progressive. I'll decide tomorrow, and just be done with it. Either way, it's looking like a coin flip for me. Thanks for all the great responses. I appreciate it!!
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From: Wylie, TX
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Joined: Jul 2006
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From: The South
I'm paying about $40 in interest if I don't accept the 20% blame and have Progressive fight to make me 0% at fault, and get the full $500 back eventually. If I accept it, I am paying $100 and getting it over with. I spoke to a manager, and he assured me that accepting the 20% blame will have no impact on my insurance rate since they have me 0% at fault, and did not pay to have the other driver's vehicle fixed. This of course will likely force me to stay with Progressive. I'll decide tomorrow, and just be done with it. Either way, it's looking like a coin flip for me. Thanks for all the great responses. I appreciate it!!
All should be good as long as you don't get a point on your record. Just keep a close eye on your statements to make sure the manager wasn't just telling you what you wanted to hear.