<p>Caretera45, if you re-read my second post you will notice that I said that you can contact them for advice. It is simply fact though that your insurance company will not be involved with receiving payment from the other insurance company. You can deny that if you want, it doesn’t really matter to me. I am just simply giving advice from someone that knows a good deal about the insurance industry. </p>
<p>Edit: If they were already denied claims by the opposing sides insurance, then yes go through your own insurance. I am sorry that I missed this when reading through the thread.</p>
<p>Yes we have been in contact with the insurance company, and the adjuster on our claim. They did send a surveyor out, and they wanted to total the car out. We agreed, and wanted our car back since everything that was wrong was purely cosmetic. All was fine until they decided to sneak in that they wouldn’t pay on medical bills if my dad signed the release even though my claim is separate. Then they wouldn’t remove the paragraph the lawyer wanted removed. At this point we just decided to hire the lawyer as the adjuster kept giving attitude to my parents every time they tried to settle the car part.</p>
<p>I figured CC would have good advice as my family has never been in this situation. The more I think about I am amazed nothing worse happened. If I would’ve been 3 ft out more I would’ve been hit twice, and if I would’ve turn right instead of waiting to turn left I would’ve been hit in the back resulting in me hitting a guard rail.</p>
<p>I’m sorry if I’m repeating myself here. As I said I’m in contact with my own auto insurance. Pretty much 3 hrs after the accident in the ER I was on the phone with them, and then again for the next couple of weeks. They will allow me submit claims to med plus if needed, but I have the basic amount of insurance that is required in my state. </p>
<p>My auto agent has seen the police report, and my ER paperwork. He is the one who told us this insurance is very sneaky, and mean when he has dealt with them himself. Lawyer agreed. Again as I mention before we found out the insure many drivers who are considered high risk.</p>
<p>We would’ve got the car back as they would take the selvage price for themselves, and then the rest of the money from the car would be sent to us. I guess I should’ve worded as buying the car back from them.</p>
Really? From your other posts you indicate you’re a HS student. Where do you get your experience if you just got your license a year or two ago at the most?</p>
<p>I don’t mean any offense with the above - just full disclosure for the OP to consider when reading your advice.</p>
<p>No, you report because there is a duty to report in the insurance policy. Sometimes drivers handle it directly when there is only property damage and liability is uncontested. If the OP has collision coverage, then the accident must be reported for the company to pay. The claim will then be subrogated. I would never advise someone to not report when there is bodily injury. The company does much more than advise on behalf of its insured. </p>
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<p>As a former insurance defense attorney, I know what I’m talking about. Would you like to reveal your credentials?</p>