No fault insurance question

Closed Thread
Thread Tools
  #1  
Old 12-29-2018, 05:52 PM
vintageogauge vintageogauge is offline
Sage
Join Date: Aug 2016
Location: village of Fenney, Ford City, Pa., and Hudson, Ohio
Posts: 4,109
Thanks: 6
Thanked 4,285 Times in 1,427 Posts
Default No fault insurance question

Being relatively new to Florida I know nothing about No Fault Insurance. Today my wife got rear ended in a turnabout, police ticketed the offender. I called Travelers and they told me I could file a claim with them and pay my deductible or I could call the offenders company, Geico, and deal with then directly and pay no deductible.. I have insurance for rental reimbursement, if he does not have that coverage, how does this all work??? thanks for any input.
  #2  
Old 12-29-2018, 05:54 PM
PaulDenise PaulDenise is offline
Senior Member
Join Date: Nov 2013
Posts: 216
Thanks: 0
Thanked 3 Times in 3 Posts
Default

That is a pretty unimpressive interaction with Traveler's. They don't really seem to care or be very helpful.
  #3  
Old 12-29-2018, 06:00 PM
Bogie Shooter Bogie Shooter is offline
Sage
Join Date: Sep 2008
Posts: 18,764
Thanks: 10
Thanked 5,301 Times in 2,369 Posts
Default

I would call my agent.
__________________
The further a society drifts from truth the more it will hate those who speak it. George Orwell.
“Only truth and transparency can guarantee freedom”, John McCain
  #4  
Old 12-29-2018, 06:20 PM
thelegges's Avatar
thelegges thelegges is offline
Soaring Eagle member
Join Date: May 2010
Location: Drayton Plains, MI, Vietnam, Waterford, MI, Pennacamp, Fernandina, Duval, 1 retired in Richmond
Posts: 2,207
Thanks: 12
Thanked 1,588 Times in 567 Posts
Default

Your agent should be making those phone calls. Have at no fault for over 40 years in different states,never had to contact another insurance.

You pay your deductible if you were at fault, if you were not you pay nothing, and your insurance acquire the deductible.
  #5  
Old 12-29-2018, 06:25 PM
seoulbrooks's Avatar
seoulbrooks seoulbrooks is offline
Senior Member
Join Date: Aug 2017
Location: Harbor Hills, Lady Lake
Posts: 208
Thanks: 113
Thanked 111 Times in 38 Posts
Default

What does your agent get paid for? I have never been asked to deal with the other persons insurance.
__________________
DeFuniak Springs, Fl, Eglin AFB, Fl
Kindley Air Force Base, Bermuda, Keesler AFB, Ms
Lackland AFB, Tx, Edwards AFB, Ca
Royal Air Force Benson, England
Eielson Air Force Base, AK, Clark AFB, Philippines
Kadena AFB, Okinawa Japan, Yakota AFB, Japan
Osan AB, Pyeongtaek, South Korea, Yangsan Army Garrison, Seoul South Korea
  #6  
Old 12-29-2018, 06:43 PM
Rango Rango is offline
Veteran member
Join Date: Jul 2011
Posts: 728
Thanks: 244
Thanked 106 Times in 47 Posts
Default

You file a claim with your insurance company, Pay the deductible, then your insurance company goes to the other company for deductible and reimburses you. Or you can go to the other insurance company yourself,
  #7  
Old 12-29-2018, 06:46 PM
rjm1cc's Avatar
rjm1cc rjm1cc is offline
Soaring Eagle member
Join Date: Apr 2010
Posts: 2,366
Thanks: 237
Thanked 521 Times in 241 Posts
Default

My experience is that I file the claim with my insurance company and they collected from the other for damage to the car. I don't remember if I paid the deductible. I think I did.
For medical expenses my insurance company paid and then I think they collected from the other insurance company.
For pain and suffering I hired an attorney and sued and collected from both co's as I had underinsured insurance. Underinsured is different than uninsured.
  #8  
Old 12-29-2018, 08:00 PM
vintageogauge vintageogauge is offline
Sage
Join Date: Aug 2016
Location: village of Fenney, Ford City, Pa., and Hudson, Ohio
Posts: 4,109
Thanks: 6
Thanked 4,285 Times in 1,427 Posts
Default

This being a holiday weekend I was only able to talk with someone at the claims phone number at Travelers. Hopefully I'll be able to get more info on Monday but then comes the holiday. This stuff never happens on a Monday or Tuesday of a normal week. The last time anyone ran into one of us was in 1989 and that was in the middle of a 12 car pileup so not experienced in filing claims. At least we can still drive it.
  #9  
Old 12-29-2018, 08:02 PM
Fredman's Avatar
Fredman Fredman is offline
Gold member
Join Date: Feb 2015
Location: Pittsburgh, Cincinnati,Chicago ,buffalo, Asheville ,Pittsburgh
Posts: 1,076
Thanks: 6
Thanked 814 Times in 234 Posts
Default

Pay the deductible let your insurance handle everything and your deductible will be returned to you once all is settled. No point in trying to deal with the other persons insurance.
__________________
GO STEELERS
  #10  
Old 12-29-2018, 08:02 PM
vintageogauge vintageogauge is offline
Sage
Join Date: Aug 2016
Location: village of Fenney, Ford City, Pa., and Hudson, Ohio
Posts: 4,109
Thanks: 6
Thanked 4,285 Times in 1,427 Posts
Default

Quote:
Originally Posted by Rango View Post
You file a claim with your insurance company, Pay the deductible, then your insurance company goes to the other company for deductible and reimburses you. Or you can go to the other insurance company yourself,
One of my concerns if I go to their company is that I would have to go to wherever they want to send me and I wouldn't get a loaner.
  #11  
Old 12-29-2018, 08:55 PM
dewilson58's Avatar
dewilson58 dewilson58 is offline
Sage
Join Date: May 2013
Location: South of 466a, if you don't like me.......I live in Orlando.
Posts: 11,502
Thanks: 834
Thanked 9,687 Times in 3,600 Posts
Default

Quote:
Originally Posted by bogie shooter View Post
i would call my agent.



agreeeeeeeeeeeeee
  #12  
Old 12-29-2018, 09:17 PM
vintageogauge vintageogauge is offline
Sage
Join Date: Aug 2016
Location: village of Fenney, Ford City, Pa., and Hudson, Ohio
Posts: 4,109
Thanks: 6
Thanked 4,285 Times in 1,427 Posts
Default

Thank you all, I'll call the sales agent Monday morning, it's through TV Insurance. Have a happy New Year all.
  #13  
Old 12-29-2018, 11:07 PM
Nucky's Avatar
Nucky Nucky is offline
Sage
Join Date: Apr 2015
Posts: 11,094
Thanks: 4,377
Thanked 3,625 Times in 1,884 Posts
Default

Travelers just took care of me for a small claim and were fantastic. You probably got the third or fourth string in customer service because of the holiday. You will be taken care of better next week.

I used Car Guys for the repair. OEM parts. Easy to deal with and very communicative. 352-561-4029, the man's name was Jose.

Travelers had me use Enterprise in LSL who made it even easier. Best of Luck. Sorry for your troubles.
  #14  
Old 12-30-2018, 01:46 PM
GatorFan GatorFan is offline
Veteran member
Join Date: Jul 2007
Location: The Villages
Posts: 766
Thanks: 12
Thanked 24 Times in 15 Posts
Default

No fault also know as personal injury liability in Florida pays up to $10,000 of your medical, loss wages and loss of household expenses per accident. This means if you are injured in an accident regardless of fault, your own no fault pays 1st up to $10,000.

In your circumstances, the at fault party under their property damage liability coverage on their policy (minimum required in Florida is $10;000) would pay for the damage to your car and a rental car would be included. If you go ahead and rent a car you should be reinbursed if they have sufficient coverage.

You also have the option to file under your own policy ( collision coverage, subject to your deductible) and your own rental car coverage which is normally for 30 days. Your company will then surrogate against at fault party and if they are able to collect will reimburse your deductible.

Hope this helps.

Last edited by GatorFan; 12-30-2018 at 07:09 PM. Reason: Correction
  #15  
Old 12-30-2018, 02:16 PM
GatorFan GatorFan is offline
Veteran member
Join Date: Jul 2007
Location: The Villages
Posts: 766
Thanks: 12
Thanked 24 Times in 15 Posts
Default

You always can go wherever you choose, however, if you use one of the contract collision companies the repairs are quaranteed for as long as you own car. Car Guys is contracted with most of the insurance companies

Last edited by GatorFan; 12-30-2018 at 02:18 PM. Reason: Corrections
Closed Thread

Tags
insurance, pay, deductible, fault, company

Thread Tools

You are viewing a new design of the TOTV site. Click here to revert to the old version.

All times are GMT -5. The time now is 04:06 PM.