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Auto Insurance Question from Apollo Beach, Florida

Asked on 10/23/2018.   This question has received 265 views.
Was in a accident and found 0% at fault. MY insurance agency refuses to repair the mechanical issues even though, I was driving a perfectly working car prior to being hit, after the accident, the car was immediately towed due to it will not start.   was in a auto accident 9/10/2018. car was side swiped and had to be towed from the accident. I was 0% at fault and the other agency agreed and took 1005 liability. MY insurance, progressive auto, REFUSES to fix the mechanical issues for why the car will not start now. The adjuster is impossible to get a hold of, the auto accident specialist keeps saying he does not validate and mechanical repairs, as well has yelled over the phone and of no help. The auto shop says the mechanical is due to the accident, as well as needs to get the car working in order to start physical damages. the claim has been delayed due to my own insurance and I'm now paying rental due to their delay. makes zero sense that i am at no fault and have estimates of %1486 I need to come out of pocket for to pay mechanical damage, as well as now rental when I would have not paid anything if I was never hit. Progressive managers do not call back, as well as fight the body shop when they send a bill for mechanical damages. do i need a lawyer for this?/

Answer given on October 23, 2018


If you were in an auto accident that was not your fault, the other driver's insurance company should pay for all of the damages. Your insurance company should not be involved. If some of the damages are mechanical, the other insurance company should pay for those repairs as well as the "physical damage" to your car.  You should be talking to the other adjuster rather than your own insurance company about the problem. If the mechanic says the problems with the mechanical issues are a part of the insurance damage, then the other insurance company should be willing to pay for those repairs.

Even if your insurance company were to agree to pay the damages you are seeking from them, there would be a deductible, which would probably eat up any money they would be willing to pay.  Go after the other insurance company for those repairs, not your insurance company.



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