Reply to Car accident question - can someone explain fixing through insurance or suing like I’m a 5 year old

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[quote=Anonymous]Be careful if you handle it through subrogation.

Our car was once rear-ended, and the major repair bill + rental car added up quite bit. We filed with our insurance (Erie) and they paid for everything then went after the at-fault driver through subrogation. However, they settled with the at-fault driver's insurance for far less than they paid out. So, for example, if our repair and rental was $12,000, maybe they settled with the other insurance for $8000.

Years later, they threatened to take away our claims-free discount because we had a minor incident that was potentially going to cost Erie to pay out &gt;$1000 for a second time within 5 years. Only then did I find out that the first accident (that the other driver was 100% at-fault for) could be held against us because Erie decided to settle for less than they paid.

Lesson learned--even when you are not at fault, know what your lazy insurance negotiators are doing because it can come back to bite you. They aren't taking care of you. Insurance is a business, and they are only taking care of their bottom line, not their clients! Don't use subrogation unless you can't afford your deductible![/quote]

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