What is the name of your state?
New York
Hey there folks, I had already made a thread about my particular car accident. Anyway, from what I understood a month ago... the case is going to arbitration.
However, after speaking with a representative from my company today, things have become quite complicated. I originally thought our insurance companies mutually agreed to go into arbitration. Now, it seems that my adversary's insurance company is going to arbitration against my insurance company because they paid something out... so they have some sort of 'interest' in this according to the representative. That is the only reason there is an arbitration, not because I had to pay out of pocket for the damages, but because the other insurance company paid for their client's damages.
Also, from what I understood prior to the conversation with the representative today, if the arbitrator's ruling places blame on the other individual, and makes him at-fault for the accident, I thought I would recover the monetary damages that I incurred as a result of the accident. According to the representative, this is not the case. My insurance company paid nothing out to me, so I would receive nothing. However, I paid $6,100~ for repairs.
Bottom line: I do not have collision insurance, so I really am not owed anything according to their reasoning.
Is this justified? If I was not the cause of this accident, and the other individual is, would it not obligate the other individual's insurance company to pay out my monetary losses if they are deemed responsible for the accident?
After the accident I filed a claim with my adversary's insurance company, and it was rejected.
New York
Hey there folks, I had already made a thread about my particular car accident. Anyway, from what I understood a month ago... the case is going to arbitration.
However, after speaking with a representative from my company today, things have become quite complicated. I originally thought our insurance companies mutually agreed to go into arbitration. Now, it seems that my adversary's insurance company is going to arbitration against my insurance company because they paid something out... so they have some sort of 'interest' in this according to the representative. That is the only reason there is an arbitration, not because I had to pay out of pocket for the damages, but because the other insurance company paid for their client's damages.
Also, from what I understood prior to the conversation with the representative today, if the arbitrator's ruling places blame on the other individual, and makes him at-fault for the accident, I thought I would recover the monetary damages that I incurred as a result of the accident. According to the representative, this is not the case. My insurance company paid nothing out to me, so I would receive nothing. However, I paid $6,100~ for repairs.
Bottom line: I do not have collision insurance, so I really am not owed anything according to their reasoning.
Is this justified? If I was not the cause of this accident, and the other individual is, would it not obligate the other individual's insurance company to pay out my monetary losses if they are deemed responsible for the accident?
After the accident I filed a claim with my adversary's insurance company, and it was rejected.
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