Quote:
Originally Posted by Calicoco
Option to go thru your insurance and let them subrogate it.
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Due to the type of car you have, this might just be your best bet.
The "other" company has no idea what your car is worth (in case of a total) and they will try and figure it out as best they can (in their favor, of course, not yours). Your company will be more open to discussion as you are their client.
If fixable, then let your company handle it. Pay your deductible and git er done. Then let them subrogate against the other company. At least you'll be on the road again.
If you think it will be a total loss, then now is the time to gather comps in order to back up whatever dollar claim you think your car is worth.
Unfortunately, you're not going to like the comps. Hopefully it makes financial sense to fix it and not total it.
And, since there is some personal injury, keep records of all doctor vsits, prescriptions, therapy, lost work, pain and suffering, etc. as this will be a separate claim and could go on for some time. You do not have to settle both claims at the same time. Personal property damage can be settled as soon as you are satisfied with the numbers. Personal injury claims can go in until all damage to you has been addressed.