Who needs the same color?
Update: this is very much the case. Upon explaining to him the estimate for damage to my mothers car he said âthatâs a lot.â He then stated that he was going to file a claim with my motherâs insurance for the cost of his damage. Seems like weâll just be going through both insurance companies and working out the details with them. Hopefully we will be able to negotiate a settlement with the insurance.
Thank you everyone for your help, it was much appreciated.
Maybe see what the max figure is insurance will pay on the claim without totaling the car. See if they would just pay you that and you do what you wish with the proceeds.
Does she have an insurance agent, or did she buy coverage from Flo from the TV ads?
Iâve had some stellar insurance agents with decades of experience with the underwriter that they represent, and their knowledge of the system was invaluable.
I stayed with one agent for over 10 years until he retired, even though at various times I could save $10 or $20 a month with a âcall centerâ insurance company.
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USAA but online/call center.
Thatâs a fair point. The two insurance agents Iâve worked with in the past have been pretty useless, sadly. Iâm sure a good insurance agent would be worth every penny.
Itâs best to not let your insurance company pay out any claims. I have a feeling theyâll charge you a 35% premium per claim.
Go to the other guyâs insurance and hash it out with them.
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Worthy clarification. âAny agent you can find with Googleâ doesnât cut it either. Sorry sheâs going through this. 
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While not ideal there might not be an option. The guy is kind of a jerk. He wants to go through insurance, which he has the right to do. 35% isnât fun, but also isnât the end of the world probably roughly $30/month for her.
I would let your insurance sort it out. It seems kind of obvious that the car with damage to the passenger side doors did not initiate the contact. The only way something like that could happen and it be the fault of the driver with damaged passenger doors would be if they misjudged pulling in next to the other vehicle but that would leave the other car with just the rear corner clipped/ damaged rather than the entire rear end.
My wife was hit (rear ended and then side swiped)on the highway by a short bus school bus. I ended up filing with our insurance and our insurance now says ânot at fault accidentâ and they subrogated the damage cost to the school busâ insurance company. Our rates did not change.
Hope it comes out ok for you.
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At this point that is what Iâm hoping happens here. Thank you!
Hopefully it goes that way for you. Iâve seen some people get screwed in the subrogation because the claim wasnât large enough for the insurance company to justify the legal cost to subrogate. So, they just told their customerâŚsorryâŚwe arenât going to subrogate this claim. Sorry about your deductible.
For real? Whatâs the point of insurance you canât use.
Hopefully it doesnât come anywhere close to this, but I believe that is what small claims court is for.
Yeah, hopefully you guys donât get screwed in this situation.
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âWhatâs the point of insurance you canât useâ - normally in this scenario youâd file a collision claim with your carrier, they pay your damages and then they can determine based on facts of the incident if there is grounds to subrogate against the other carrier - but you said you didnât buy collision insurance, so what exactly did you buy that youâre not able to use?
My comment was not about my situation particularly. It was in reference to:
[quote=âvalek.jw, post:31, topic:451919â]
Iâve seen some people get screwed in the subrogation because the claim wasnât large enough for the insurance company to justify the legal cost to subrogate.
[/quote] Those people paid for insurance and their deductible and got screwed.
You are quite right, we do not have collision on the car!
has 4 panels to be refinished / repaired
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Thanks for checking in.
The guy was a a jerk. When we got an estimate and carefully tried to be kind and inform him of the estimate and see what he wanted to do he said he was going to submit a claim against my momâs insurance for the damage to his car. So we called my momâs insurance and they laughed and said ok, but as long as everything we told them was accurate theyâre not paying, its on this guy/his insurance.
The other person has Geico, so we submitted a claim with them. At first they said weâre accepting responsibility and will pay for the repairs. Then, at Geicoâs request brought the car to a shop that works with Geico, who submits photos of the damage and some estimates to Geico. Geico called and left a voicemail stating that the car is worth approximately $3,700 but the damage would cost $2,6XX to fix, therefore they would be totaling the car. We had some time to carefully word our response and called back saying âyouâre not totaling my carâ and they agreed to send us a check for the $2,6XX. The first body shop said it was roughly $4,500 worth of damage, so we probably could have gotten a little more from Geico, but this was one phone call and easy. I was going to update this thread when we at the check in hand, which should be any day now.
TLDR. Geico is giving us $2,6XX, my mom will drive the car with the damage until significant mechanical failure. 
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Glad to hear that you didnât end up in a worst-case scenario here. 
Hopefully the rest will go off without a hitch.
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You can likely get 2 doors from a dismantler âŚcheap fix