No fault insurance question

No fault insurance question

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No fault insurance question
  #1  
Old 12-29-2018, 05:52 PM
vintageogauge vintageogauge is online now
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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.
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  #2  
Old 12-29-2018, 05:54 PM
PaulDenise PaulDenise is offline
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That is a pretty unimpressive interaction with Traveler's. They don't really seem to care or be very helpful.
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Old 12-29-2018, 06:00 PM
Bogie Shooter Bogie Shooter is offline
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I would call my agent.
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  #4  
Old 12-29-2018, 06:20 PM
thelegges thelegges is offline
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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.
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  #5  
Old 12-29-2018, 06:25 PM
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seoulbrooks seoulbrooks is offline
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What does your agent get paid for? I have never been asked to deal with the other persons insurance.
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  #6  
Old 12-29-2018, 06:43 PM
Rango Rango is online now
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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,
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  #7  
Old 12-29-2018, 06:46 PM
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rjm1cc rjm1cc is offline
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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.
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  #8  
Old 12-29-2018, 08:00 PM
vintageogauge vintageogauge is online now
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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.
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Old 12-29-2018, 08:02 PM
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Fredman Fredman is offline
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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.
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  #10  
Old 12-29-2018, 08:02 PM
vintageogauge vintageogauge is online now
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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.
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