What is the name of your state (only U.S. law)? CA
I was rear ended by David. David is with GEICO. I'm insured with Progressive.
I call GEICO to report that their insured rear ended me, they have me bring it to their shop to get it looked at. Estimate is $700. I call Progressive to report i was hit. They get in on this to expedite the process. A week later Progressive tells me GEICO is doing a "coverage investigation and it would be best to go through your insurance." Progressive sends out an appraiser who says damage is only $400. I dispute that i went to three different shops and they all estimated it at $700-750. I somehow feel Progressive underappraised the damage since they have a feeling they won't be able to get the money back from GEICO due to the "coverage investigation". My deductible is unsurprisingly $400 (although I have uninsured motorist coverage which will reimburse me $400).
At this point, I want to just handle this with GEICO but they're saying they'll update me every 30 days (LOL) of this coverage investigation. I don't see what they have ot investigate because i have a picture of David, the guy who me, and his insurance card that says he was covered till hte next month. He admitted he was 100% at fault to both insurance parties. It doesn't seem like this will go anywhere with GEICO. I don't want to really have my insurance Progressive involved for worries that my rate will increase.
Is it worth it to sue this David guy? I know the amount isn't large, but i don't want this guy to walk away scott free with a slap on the wrist. He should pay, either through his insurance or to me.
I was rear ended by David. David is with GEICO. I'm insured with Progressive.
I call GEICO to report that their insured rear ended me, they have me bring it to their shop to get it looked at. Estimate is $700. I call Progressive to report i was hit. They get in on this to expedite the process. A week later Progressive tells me GEICO is doing a "coverage investigation and it would be best to go through your insurance." Progressive sends out an appraiser who says damage is only $400. I dispute that i went to three different shops and they all estimated it at $700-750. I somehow feel Progressive underappraised the damage since they have a feeling they won't be able to get the money back from GEICO due to the "coverage investigation". My deductible is unsurprisingly $400 (although I have uninsured motorist coverage which will reimburse me $400).
At this point, I want to just handle this with GEICO but they're saying they'll update me every 30 days (LOL) of this coverage investigation. I don't see what they have ot investigate because i have a picture of David, the guy who me, and his insurance card that says he was covered till hte next month. He admitted he was 100% at fault to both insurance parties. It doesn't seem like this will go anywhere with GEICO. I don't want to really have my insurance Progressive involved for worries that my rate will increase.
Is it worth it to sue this David guy? I know the amount isn't large, but i don't want this guy to walk away scott free with a slap on the wrist. He should pay, either through his insurance or to me.