Over 150.000 insurance professionals and consumers come to the Insurance Forum every month. Click here to register for FREE


Go Back   Insurance Forums > Insurance Agents and Brokers Forum > Auto Insurance Forum

Reply to Subrogation - Getting Deductible Back     
Old 06-12-2017, 11:27 AM   #1
New Member
 
Join Date: Jun 2017
Posts:2
State: kevo84 is an Insurance Agent from
Subrogation - Getting Deductible Back Subrogation - Getting Deductible Back
Hello,

This involves an accident in which the opposite driver admited fault at the scene, we had a witness, police report, pictures etc. Then the admited at fault driver did not contact/would not answer his own insurance company and they took over a month to finally get in touch with them myself (dodged calls, wouldnt leave name/contact info in messages etc etc) Once I finally got in touch with them they said they didnt have sufficient evidence (they were provided all of the above) I then gave them all the evidence again and they called back a week later ready to set up an appointment to fix my car.

Now lets look at my side. My car had its front bumper ripped off including license plate etc. Registration was due and in my state it has to be inspected for registration + have a front license place to be legal. Not to mention driving around without a front bumper for months isnt exactly ideal. So I went ahead and paid the $500 deductible to have the 1k+ job done.

NOW since I told the at faults insurance that my insurance has taken care of it and they need to get in touch with my insurance to recover my deductible. It is now in subrogation with my insurance for 20 days.

WHY does it take 20 days after saying they would fix my car to just pay the damn deductible to my insurance?? I am trying to get a number to call my insurance and find out what the story is...but anyone have a clue how to approach this?

Just to keep this unbiased I have kept the insurance companies names out, they are both big name insurers so there SHOULDN'T be issues.
------------------------------------
  Reply With Quote to Subrogation - Getting Deductible Back
Old 06-12-2017, 11:52 AM   #2
djs
Guru
 
Join Date: Mar 2007
Posts:6,570
State: djs is an Insurance Agent from California
djs is a member of 5000 posts Super VIP club
Subrogation - Getting Deductible Back Re: Subrogation - Getting Deductible Back
Did the other insurance company assume liability? You don't make that clear in your text. You imply it was the other drivers fault, but its not clear the insurance companies came to that conclusion. This is a big difference.

Someone saying they are at fault at the scene is meaningless. They don't accept that since its usually a stressful situation and it was probably said to you, not the insurance company directly.

Check with your insurance company and see if the other insurance company has accepted liability. You should have also received a fault determination letter, which is the key to getting your deductible refunded.

By the way, part of my confusion is that you claim the insurance company setup an appointment to fix your car. Insurance companies don't typically do this, they do set up appointments to inspect the damages of your car, which is typically part of the fault determination process.

Dan
------------------------------------
  Reply With Quote to Subrogation - Getting Deductible Back
Old 06-12-2017, 11:56 AM   #3
Guru
VolAgent on Subrogation - Getting Deductible Back
 
Join Date: May 2009
Posts:12,973
State: VolAgent is an Insurance Agent from Tennessee
VolAgent is a member of 5000 posts Super VIP club
Subrogation - Getting Deductible Back Re: Subrogation - Getting Deductible Back
I admit I'm a bit confused here.

So you turned in the claim to your insurance company because you were tired of waiting on the at fault party to contact their company and admit fault, plus the time to actually do the repairs once fault was admitted? If so, why aren't you calling that number and following up on the subrogation?

I believe this may be related to your core question. You should be pushing your insurer and not the at fault insurer. Your insurer is the one that will be recovering the money and returning your deductible. In life, when we want money, we tend to push things forward.

I will say, you have a lot more patience than I. I doubt I would have waited a week before turning in the claim to my insurance company. It sounds like you may have waited months? I do question if your previous patience is why you also ended up on the bottom of the pile here.

Additionally, and most likely, there are some issues that have arisen that you are simply not aware of at this time.

------------------------------------
You can pay the premium or you can own the loss.
  Reply With Quote to Subrogation - Getting Deductible Back
Old 06-12-2017, 12:04 PM   #4
New Member
 
Join Date: Jun 2017
Posts:2
State: kevo84 is an Insurance Agent from
Subrogation - Getting Deductible Back Re: Subrogation - Getting Deductible Back kevo84 is the thread starter for: Subrogation - Getting Deductible Back

To answer questions:

1) The at fault drivers insurance did accept liability.
2) I reported accident and all details to my insurance immediately following the accident, but waited a week to get it fixed since it seemed that everything would go smoothly since the other driver seemed cooperative at the scene.

And to clear up the details on his insurance contacting me about repairs it was simply a "we are accepting liability lets setup an appointment to take a look at the damage and get you on the way to having your car repaired" call. Then told them I already had it repaired by my co.

Oh, and my patience involved me calling their insurance company for weeks trying to get ahold of someone that had answers and finally we got a direct office number for the agent involved. At first it was "we cant get ahold of our insured, we just have to wait" situation which took up a week or so of waiting. Then we started to badger them. They avoided calls at all costs. definitely seemed purposeful.
------------------------------------
  Reply With Quote to Subrogation - Getting Deductible Back
Old 06-13-2017, 09:29 AM   #5
djs
Guru
 
Join Date: Mar 2007
Posts:6,570
State: djs is an Insurance Agent from California
djs is a member of 5000 posts Super VIP club
Subrogation - Getting Deductible Back Re: Subrogation - Getting Deductible Back
Insured avoiding calls is a very normal thing. I've seen it happen lots of times. Also, again, what happens at the scene is not relevant.

Did you actually get a fault determination letter? This is your key to success. I don't care about phone calls, I'm asking if you have a piece of paper from an insurance company that says the other driver is at fault.

I won't get into the issue of coverage determinations, which is likely at play here. This is usually why insureds avoid phone calls, they didn't pay their bill, that particular car is not insured, the driver is excluded or whatever. This might not be an issue, but is also sometimes why insurance companies don't respond quickly.

You need to contact YOUR insurance company. They deal with subrogation.

Dan
------------------------------------
  Reply With Quote to Subrogation - Getting Deductible Back
Old 07-01-2017, 05:40 PM   #6
Super Genius
adjusterjack on Subrogation - Getting Deductible Back
 
Join Date: Jun 2017
Posts:164
State: adjusterjack is an Insurance Agent from Arizona
Subrogation - Getting Deductible Back Re: Subrogation - Getting Deductible Back
Originally Posted by djs View Post


You need to contact YOUR insurance company. They deal with subrogation.
Exactly.

And, generally, the deductible isn't refunded until AFTER your insurance company collects. There is nothing you can do to speed up that process.
------------------------------------
  Reply With Quote to Subrogation - Getting Deductible Back
Old 07-13-2017, 06:28 PM   #7
Super Genius
 
Join Date: Jul 2014
Posts:212
State: INSUREGEEK is an Insurance Agent from Ohio
Subrogation - Getting Deductible Back Re: Subrogation - Getting Deductible Back
Accepting liability doesn't always mean they accepted 100% liability. They may have been planning to split costs with your insurance all along. Depends on the state there sometimes.

In subro....you don't always get your full deductible back, if anything at all.

Press your carrier for a resolution, but I bet they have bigger fish to fry and they aren't the least bit worried about your $500. :(



Good Luck!
------------------------------------
  Reply With Quote to Subrogation - Getting Deductible Back
Reply to Subrogation - Getting Deductible Back 

  Insurance Agent Forum > Insurance Forums > Insurance Agents and Brokers Forum > Auto Insurance Forum




Similar Threads with Subrogation - Getting Deductible Back
Thread Thread Starter Forum Replies Last Post
Back Links? wildcat Insurance Websites 38 02-11-2011 05:04 PM
Zero Deductible Health Insurance with Cash Back Alston Health Insurance and Ancillary Benefits 29 12-05-2009 09:18 AM
Possibly Raising My Deductible in a BCBS Indiv. Policy hyy Health Insurance and Ancillary Benefits 22 10-10-2009 05:52 PM
High Deductible Plan F VS MA Plan azmedsupagent Senior Insurance Forum 28 01-03-2009 01:14 PM
Need help deciding if my company insurance is worth it!! ljdreyer Health Insurance and Ancillary Benefits 10 12-28-2007 12:06 AM



All times are GMT -5. The time now is 12:25 PM.

Forum enabled with vBulletin®
Copyright ©2000 - 2017, vBulletin Solutions, Inc.


Join the Forum - It's FREE

Share This Page



Weekly Poll

Where do we go from here? POLL
This poll will close on 08-17-2017 at 02:28 PM