accident followup
Today I talked to the person who hit my car last week. At the time she said she wanted to settle it privately, not through insurance, which was fine with me. (I don't care so long as I'm not out any money. She was unambiguously at fault.) This morning I got an estimate and called her with the number. It's higher than I expected ($326 for the repair and $75 for the rental car while they have it for multiple days), and she said in that case we'll have to go through insurance. She pretty clearly doesn't understand the long-term economic impact on her -- she's saving about $150 now but will pay higher rates for at least three years. So this life lesson will be more expensive for her than it needed to be, but oh well. (She had her husband do most of the talking with me, and he agreed with her.)
I was relieved to learn, from my insurance agent, that my company does not need to be involved in this at all. I feared the scenario where I had to file through them, so they could claim through her company, for damage that is below my deductable. It's not my fault, and I'd rather my own company have no official record of it that they can misinterpret later when setting rates.
Whee.
I was relieved to learn, from my insurance agent, that my company does not need to be involved in this at all. I feared the scenario where I had to file through them, so they could claim through her company, for damage that is below my deductable. It's not my fault, and I'd rather my own company have no official record of it that they can misinterpret later when setting rates.
Whee.