Reply to Thread

This site may earn a commission from merchant affiliate links, including eBay, Amazon, and others.

Message: <blockquote data-quote="inactive" data-source="post: 3159251" data-attributes="member: 7488">If you contacted them about the accident, they’re going to proceed with the claim under your collision coverage.  You certainly can choose to go through them or the at fault party so long as that carrier accepts liability for the claim (and it sounds pretty cut and dried that they will).  It’s completely your call. But they’re going to proceed unless you tell them not to, as they have a duty to process a claim you presented to them and that’s what they’re assuming you had done by contacting them. Either carrier is open to discussion about the value of the vehicles, though your own carrier has clauses in the policy on how to settle value disputes.  That said, there’s typically room to discuss value without deferring to those if the book value or market value report appears off.    With the other party’s insurance there is of course no contract with you but you can negotiate as well if you can find quantifiable information to show the offer is off and the vehicle is worth more.Both parties will settle the vehicle without regard to the injuries.  Special and General injury damages are separate from the property damage claim.Go ahead and let USAA move it (presumably to Copart?) to get it out of storage.  This kills any accruing storage and it can sit a bit before you decide which carrier to take payment from. Even if USAA moves it they can easily transfer it to the other company to process under their claim.  That’s easy everyday work in our world.  USAA has accident forgiveness that you can buy as an endorsement or receive automatically after some years (5-6? I think) without a claim, so if you have this coverage it won’t matter at far as your premium rates are concerned if you go through them or the other.  The deductible notwithstanding (and if you go through USAA they’ll ask for your deductible back, or you can ask the other carrier to just forward it to you now) I don’t work for USAA but I actually do have them myself.  I’ve never had my own claim with them but I’ve never had any problem working with them on claims between our companies or their customers or even our customers pursuing claims as claimants against their policies. They’re well regarded.</blockquote>

Verification