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SVTPerformance's Chain of Restaurants
Road Side Pub
Getting Insurance Company to pay for OEM parts?
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<blockquote data-quote="AustinSN" data-source="post: 15543828" data-attributes="member: 159453"><p>If the other party's insurance refuses to pay out, he can have his insurance cover the damage and they will subrogate towards the other insurance.</p><p></p><p>I've never seen a subrogation claim effect premium.</p><p></p><p></p><p></p><p>^^ This</p><p></p><p></p><p></p><p>There are companies out there that if you have a 0 paid at-fault accident, they will surcharge, they consider it an at-fault accident - below threshold. For instance, my buddy's dad accidentally door dinged someone at a gas station. He filed the claim, but then decided to pay it out of pocket. When I wrote his insurance, he was being surcharged for it by one of my companies. It was super annoying because they told me the surcharge is "less than 10%" but he had 8 cars and 2 youthful drivers. That was almost $600 per year.</p><p></p><p>OP, you are just going to have to fight for OEM parts. If necessary, ask the guy who hit you to pony up the extra cash for them as well. Underwriting guidelines are state by state but a lot of companies will offer OEM replacement parts coverage. If this were to happen again with the OEM parts coverage, Travelers would pay out and subrogate towards The Hartford for repayment.</p></blockquote><p></p>
[QUOTE="AustinSN, post: 15543828, member: 159453"] If the other party's insurance refuses to pay out, he can have his insurance cover the damage and they will subrogate towards the other insurance. I've never seen a subrogation claim effect premium. ^^ This There are companies out there that if you have a 0 paid at-fault accident, they will surcharge, they consider it an at-fault accident - below threshold. For instance, my buddy's dad accidentally door dinged someone at a gas station. He filed the claim, but then decided to pay it out of pocket. When I wrote his insurance, he was being surcharged for it by one of my companies. It was super annoying because they told me the surcharge is "less than 10%" but he had 8 cars and 2 youthful drivers. That was almost $600 per year. OP, you are just going to have to fight for OEM parts. If necessary, ask the guy who hit you to pony up the extra cash for them as well. Underwriting guidelines are state by state but a lot of companies will offer OEM replacement parts coverage. If this were to happen again with the OEM parts coverage, Travelers would pay out and subrogate towards The Hartford for repayment. [/QUOTE]
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SVTPerformance's Chain of Restaurants
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Getting Insurance Company to pay for OEM parts?
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