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Thank you for your question, and thank you most kindly for requesting me to assist you this evening.
It is always better to pursue someone else's insurance rather than your won.
Your own insurance company may potentially increase your premiums if they themselves ended up having to pay for the damages.
They likewise cannot replace undamaged property, so if the car seat is fine, it will not be covered
But if it is actually damaged you can demand full value as replacement cost.
Hope that helps!
hmm yes it does
allright so I will go with them
that's the smoothest way right?
I will try asking her about the depreciation/potential carfax thing too..see how it goes..doesnt look like she will give me anything on that one
I should inform my claims rep about me going with her right now correct?
Great, good to hear. And yes, you should inform the rep about pursuing benefits from the other insurer, but state that if they do not cover al expenses as you reasonably request, you reserve the right to get your own insurer involved.
oh ok sure I will...actually all people involved in this case belong to the same insurance co.
but yeah I will do that
but like you said, if i did end up going to my insurance, they might bump up the rates..so I will have to weigh that out..
Correct, and that is why typically working with 'their' insurer, even if that is also 'your' insurer, is wiser.
thanks a lot
Glad to help!
Please let me know how it goes!