As title states, was involved in an accident today (no injuries). I was stopped at a red light and got rammed head on by a car turning left. I am not at fault and the police report indicates same conclusion. My car is a 2018 X5.
I live in NJ and have Geico insurance. Looking for your help as I couldn’t find a clear answer.
Who’s insurance do I claim? I contacted Geico who said I can either claim through my policy or claim through the at fault driver’s policy. Claiming through my policy would have me paying deductible. Now, this just happened so his insurance has not admitted at fault and not sure what the process is for them to determine this. Looks obvious to me, and police agrees, but don’t want to file claim and end up getting denied by his insurance. Any thoughts?
Gap insurance is still included in BMWFS leases right?
Any help is appreciated!