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Property Damage
- Who is responsible for paying my property damage claim?
- Will Keller Keller LLP handle my property damage?
- What does "mitigating" my property damagemean?
- Why would the insurance company not give me a rental car?
- Am I allowed tooffer evidence to the adjusterthat my car is worth more than what he or she hasoffered?
- I just bought my car and owe more than it's worth. What can I do?
- Who determines whether the vehicle is repairable or not?
Offices
Indianapolis Office:
2850 North Meridian Street
Indianapolis, IN 46208-4713
Phone: 317-926-1111
Fax: 317-926-1411
Toll Free: 800-253-5537
South Bend Office:
16658 Cleveland Rd
Granger, IN 46530-9186
Phone: 574-277-7773
Fax: 574-271-3337
Terre Haute Office:
1617 S 3rd St
Terre Haute, IN 47802-1013
Phone: 812-235-5600
Fax: 812-235-7800
Michigan Office:
814 Port Street
St. Joseph, MI 49085
Phone: 269-983-7333
Fax: 269-983-7377
New Mexico Office:
505 Marquette NW
Suite 1300
Albuquerque, NM 87102
Phone: 505-938-2300
Fax: 505-938-2301
Will I be required to pay a deductible on my property damage claim?
A:
If the accident was not your fault, and you have decided to go through your own insurance company to recover the loss, then you'll be expected to pay the deductible on your policy. (This is the reason many people are turned off to the idea of using their own insurance policy, though it's perfectly acceptable to request that your own insurance company repair your vehicle or determine whether or not it's a total loss.) However, assuming the other party is 100% at fault, you'll get your deductible back from the other person's insurance company, although you may need to wait awhile for this to happen.
Sometimes your insurance company can call the other company and request that they pay the deductible up front so that you don't have to pay out of pocket. Since the other company knows they'll be paying it sooner or later, it's highly likely they'll agree to pay the deductible now. You simply need to inquire about this when talking to your adjuster.
If you were placed 20% at fault for the accident, and you're using your own insurance company, then you would recover 80% of your deductible. The comparative negligence is counted against you for whatever percent of fault is assigned to you in the accident.
Disclaimer
WHAT'S MY CASE WORTH?
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