learnedax | (no subject)

Great. My insurance company is billing me the $1K deductible on the grounds that being hit while making a three-point turn makes me automatically at fault. If I can successfully contest the decision through a painful hearing process, they will probably reimburse it, sometime in the future.

For now,

cristovau, looks like you're fully covered.

Update: I was wrong, the insurance will pay back any additional cost in higher premia that I may have paid before the hearing. They have a standard policy of never refunding the deductible.

Flat | Top-Level Comments Only

As far as I could tell from my accident, if the other driver specifically says that s/he is at fault, then the investigation should be short (emphasis on should) and you shouldn't have to pay your deductible.

However, my insurance company tried to jerk me around about towing fees and such, so I ended up talking directly to the other person's insurance company about the car damage. They were the ones that paid for everything directly - I would have thought that it would be better to subrogate to my insurance company and have them fight for me, but I was wrong (at least in my case).