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04bride
I'm a big sister!!!
Member since 5/05 6707 total posts
Name:
Noel
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need answer asap RE car ins
my car was hit yesterday while parked by a us postal truck. i dont have collison since its an old car but wouldnt teh postal insurance have to cover it? the claim rep just called me and said since we dont have collison they cant help me does this make sense? i caleld him back and left him a message asking him that. tia
i was just thinking abotu this a few years back we got hit by a cab also didnt have colison it was a different insurance at the time that i used but we had no probelm at all and the other guys insurance paisd fior . what is going on here? i am in class and cant call the guy back til later i tend to harp ion things so i cant even concentrate now!
Message edited 5/17/2007 9:34:42 AM.
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Posted 5/17/07 9:31 AM  |
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KPtoys
I'm getting old
Member since 5/05 8688 total posts
Name:
Karen
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Re: need answer asap RE car ins
It was their fault collision or not, they, the USPS, should repair it!!
Message edited 5/17/2007 9:32:38 AM.
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| Posted 5/17/07 9:32 AM |
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DRMom
Two in Blue
Member since 5/05 20223 total posts
Name:
Melissa
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Re: need answer asap RE car ins
Posted by KPtoys
It was their fault collision or not, they, the USPS, should repair it!!
This is correct. You can call his company directly. My husband was hit without collision and our insurance co. handled the whole thing(geico)
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| Posted 5/17/07 9:36 AM |
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04bride
I'm a big sister!!!
Member since 5/05 6707 total posts
Name:
Noel
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Re: need answer asap RE car ins
thanks.i think i had gaiceo teh last accident in 2005 but now i have response insurance through teh teachers union. coudl it be they have a differnt policy? i mean why do they care if i have collison it was HIS FAULT!!!!!!
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| Posted 5/17/07 9:37 AM |
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Lisa
I'm a PANK!!!
Member since 5/05 22334 total posts
Name:
Professional Aunts No Kids
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Re: need answer asap RE car ins
NY is a NO fault state which means no matter who caused the accident, your own insurance has to pay the damages and then your insurance company goes after the other one for compensation. In y our case, since you did not have collision on the car, there is no claim.
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| Posted 5/17/07 9:44 AM |
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KPtoys
I'm getting old
Member since 5/05 8688 total posts
Name:
Karen
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Re: need answer asap RE car ins
When some dumba$$ opened his door into mine when I was standing right there I got his insurance info and called his co directly. I do have collision though.
Maybe your insurance thinks you want them to cover it... is there a miscommunication there?
Message edited 5/17/2007 12:30:34 PM.
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| Posted 5/17/07 9:45 AM |
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KPtoys
I'm getting old
Member since 5/05 8688 total posts
Name:
Karen
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Re: need answer asap RE car ins
Posted by Lisa
NY is a NO fault state which means no matter who caused the accident, your own insurance has to pay the damages and then your insurance company goes after the other one for compensation. In y our case, since you did not have collision on the car, there is no claim.
If that is the case could you go crash into anyones car, assuming they dont have collision, and walk away damaging others property but owing nothing??
Message edited 5/17/2007 9:47:53 AM.
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| Posted 5/17/07 9:47 AM |
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Lisa
I'm a PANK!!!
Member since 5/05 22334 total posts
Name:
Professional Aunts No Kids
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Re: need answer asap RE car ins
Here is the explanation of NO-Fault insurance
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| Posted 5/17/07 9:50 AM |
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MommaG
Yay Spring!
Member since 5/05 5133 total posts
Name:
Gloria
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Re: need answer asap RE car ins
Posted by KPtoys
Posted by Lisa
NY is a NO fault state which means no matter who caused the accident, your own insurance has to pay the damages and then your insurance company goes after the other one for compensation. In y our case, since you did not have collision on the car, there is no claim.
If that is the case could you go crash into anyones car, assuming they dont have collision, and walk away damaging others property but owing nothing??
No-Fault does not apply to collision or property damage (when someone else damages your car). No-Fault pertains to injuries.
As far as the damage to your car, you have to contact the insurance company for the other vehicle and make a claim with them. Your own insurance company cannot make this claim for you if you do not have collision coverage (if you did and you used the collision coverage and it was not your fault, your company would go against the other company to get the money and your deductible back). Just call the other company and file a claim if it has not been set up already. Your vehicle was parked so there is no liability on you and they should cover it 100%.
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| Posted 5/17/07 11:23 AM |
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CookiePuss
Cake from Outer Space!
Member since 5/05 14021 total posts
Name:
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Re: need answer asap RE car ins
Since you don't have collison, I dont' think you can go through your insurance company and would have to file it directly with the USPS' insurance company.
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| Posted 5/17/07 12:29 PM |
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DRMom
Two in Blue
Member since 5/05 20223 total posts
Name:
Melissa
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Re: need answer asap RE car ins
Posted by Lisa
NY is a NO fault state which means no matter who caused the accident, your own insurance has to pay the damages and then your insurance company goes after the other one for compensation. In y our case, since you did not have collision on the car, there is no claim.
Thats not true-see my post above-this just happened a couple of months ago. Claim was paid by other insurance company. She hit my husband form behind.
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| Posted 5/17/07 12:30 PM |
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