Quote:
Originally Posted by John_W
My rear-end collision that I detailed in post #16 and was handled totally by the other driver's insurance. Travelers sent the appraiser to my home the day after the accident, I took the car to Car Guys, I rented from Enterprise during the reapir and picked up my car and never saw the $2400 bill. The other driver's insurance paid it all.
However, this past year I traded in a $40,000 Camaro for a $24,000 Hyundai and the insurance went up $50 higher. Then in December they raised it another $100 a year. This is from USAA a not-for-profit insurer for veterans. I contacted Progressive and they were $40 cheaper and then I contacted AAA and they were $184 a year cheaper. I switched after eight years with USAA, in which they never had to pay a claim or did I have a ticket.
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I had the same experience with a rear end collision, where the other guy's insurance took care of everything, and I never filed a claim with my company. That is how no fault insurance is supposed to work. If you have a police report or other evidence that the other guy was at fault, and his insurance won't pay, then I would send a letter to state insurance commissioner, with a copy to his insurance company. Insurance companies price their policies based on the claims they have to pay for you. They don't care whose fault it is. That is why it is better to handle it through the other guy's insurance, if possible.