Christopher Tidball, Author

THE ADJUSTER
Christopher Tidball
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deductible

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Parked Car

Should I file a claim?

Dear Adjuster,

My daughter had a hit and run accident while her car was parked. The damage wasn’t excessive. Should I submit it to my insurance company or just pay to have it repaired? I don’t want my insurance rates to go up.

Shelly M.

__________________________________________________________________

Dear Shelly,

What a great question and one of the most commonly asked.   What you are describing is a not at fault accident, which should not impact your rates.   However, you may have a deductible to consider.  You should contact your agent, who will know your carrier better than anyone, and discuss the situation with them.

"CONFUSED
Auto Wreck

Confused in Islamorada

Dear Adjuster,

I was in the parking lot at the grocery store and another car backed into me. I filed a claim with my own insurance company and they paid less my $1000 dollar deductible. Now they are telling me that I will only get half of that back. What gives?

Confused in Islamorada


Dear Confused,

Insurance coverages, policies and laws can be very confusing. Many states, including Florida, have a pure comparative negligence law. This means that a person can pursue another party involved in the loss for the percentage for which they are at fault. For example, if a person is 99% at fault, they can still seek the 1% for which they are not at fault. In a parking lot accident, it is very common to have shared liability. Two vehicles backing into one another with no witness may result in a 50/50 settlement. This may be an agreement between the two carriers, or it may have been settled via Inter-Company arbitration if the carriers were members.

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