My situation:
Was involved in an auto accident recently. A women made a left turn in front of me and damaged my vehicle. Police report indicates she was at fault and issued her two summons. Of course her statement is she was not at fault {no witnesses} I went through my policy to get the ball rolling and it turns out we have the same insurance company {Geico}. I pay my $500.00 deductible and my vehicle is fixed. I was told by my claims rep, I was deemed not at fault for the accident and he would working to get my deductible back soon. It was explained they go after her policy even though its the same company. About a week after that conversation, I get a letter from the other person's claim agent that states, "based on the information they have about the accident we do not believe that our insured is legally liable for damages to you vehicle". So with a police report blaming fault and summons issued for being at fault, including the officer stating she was at fault they aren't claiming responsibility? How did they come to that conclusion? Does this mean I wont get my deductible back? I quite don't understand how this investigation works when both parties have the same insurance company. Sounds like Geico is just trying to pawn off not paying me my deductible and a clever way of putting both of us at fault. If anyone has any insight or experience on how this conclusion was made, I would love to here your take on it including, what I should do next to try and retrieve my deductible back. Thank You.
Was involved in an auto accident recently. A women made a left turn in front of me and damaged my vehicle. Police report indicates she was at fault and issued her two summons. Of course her statement is she was not at fault {no witnesses} I went through my policy to get the ball rolling and it turns out we have the same insurance company {Geico}. I pay my $500.00 deductible and my vehicle is fixed. I was told by my claims rep, I was deemed not at fault for the accident and he would working to get my deductible back soon. It was explained they go after her policy even though its the same company. About a week after that conversation, I get a letter from the other person's claim agent that states, "based on the information they have about the accident we do not believe that our insured is legally liable for damages to you vehicle". So with a police report blaming fault and summons issued for being at fault, including the officer stating she was at fault they aren't claiming responsibility? How did they come to that conclusion? Does this mean I wont get my deductible back? I quite don't understand how this investigation works when both parties have the same insurance company. Sounds like Geico is just trying to pawn off not paying me my deductible and a clever way of putting both of us at fault. If anyone has any insight or experience on how this conclusion was made, I would love to here your take on it including, what I should do next to try and retrieve my deductible back. Thank You.