Reply to My Parked Car was Hit. Now What?

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Reply to "My Parked Car was Hit. Now What?"

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[quote=Anonymous]OP Here...So here's what I did. I have State Farm as well as one of the other posters...so I called my agent to discuss my options. Talking to my agent doesn't affect anything and my agents are awesome. I explained what happened and she assured me that my safe driving record would be protected and it wouldn't affect my insurance because I wasn't at fault.  She then said I had 2 options and both were discussed in earlier posts so nothing surprising. 2. Call the other's insurer and deal with all that horse crap starting with his rental company. 1. File through my insurance and have State Farm deal with everything. The pros of 2...I don't have to contact anyone else. The cons: I have to pay a $500 deductible to the autobody shop but I will get it back eventually when State Farm collects it from the other insurer. For me it was an EASY decision to go with my insurer. #2. I asked my agent why anyone would choose #1 and they said...not everyone has an extra $500 to float until it gets reimbursed. She also said not everyone has the coverage I have, so she said....if she was in my situation, she'd so #2 as well.[/quote]

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