No, you do not pay grandma. You will receive a letter directly from the insurance company that paid the claim. It is a subrogation letter. They will be asking you to reimburse them for the damage that they paid, due to your son's negligence. However, you will be paying more than $550.93. You will also pay the not at fault party's deductible, which usually ranges from $250 to $1000. All of that information will be on the subrogation letter. Good luck. Tell grandma to bite rocks.
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teen son in accident, no license/insurance
- Thread starter mymeepey
- Start date
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Moburkes...Thank you so much for your quick response. Can you tell me whether or not the dollar amount that will be listed in the subrogation letter is negotiable? I'm not trying to be a weasel or anything it's just that I want to be certain that I don't get taken to the cleaners. I'm able to pay for the damages but I am on a fixed budget and every penny counts.
Also, is it safe to assume that after I pay out the costs I will be relieved of any future liability from this incident? Is there anything else I need to be aware of in order to protect myself from other types of litigation? I just want to make sure that I settle this issue efficiently and in the best possible manner. If necessary, I am willing to retain an attorney but only as an absolute last resort after exhausting all other avenues. I am hoping that I can handle this circumstance on my own. But it scares me that this has the potential, like any auto accident situation, to drag on and become more complicated as time goes by.
Also, is it safe to assume that after I pay out the costs I will be relieved of any future liability from this incident? Is there anything else I need to be aware of in order to protect myself from other types of litigation? I just want to make sure that I settle this issue efficiently and in the best possible manner. If necessary, I am willing to retain an attorney but only as an absolute last resort after exhausting all other avenues. I am hoping that I can handle this circumstance on my own. But it scares me that this has the potential, like any auto accident situation, to drag on and become more complicated as time goes by.
No, it is not negotiable. Yes, you will be relieved of any future liability.Moburkes...Thank you so much for your quick response. Can you tell me whether or not the dollar amount that will be listed in the subrogation letter is negotiable? I'm not trying to be a weasel or anything it's just that I want to be certain that I don't get taken to the cleaners. I'm able to pay for the damages but I am on a fixed budget and every penny counts.
Also, is it safe to assume that after I pay out the costs I will be relieved of any future liability from this incident? Is there anything else I need to be aware of in order to protect myself from other types of litigation? I just want to make sure that I settle this issue efficiently and in the best possible manner. If necessary, I am willing to retain an attorney but only as an absolute last resort after exhausting all other avenues. I am hoping that I can handle this circumstance on my own. But it scares me that this has the potential, like any auto accident situation, to drag on and become more complicated as time goes by.
If Grandma's insurance company paid for the repairs directly, then either no deductible was paid by the not-at-fault driver, or it was already taken into account with the $550 amount.
The amount isn't negotiable because it's what the insurance company actually paid out because of the damages and you will need to make them "whole".
The amount isn't negotiable because it's what the insurance company actually paid out because of the damages and you will need to make them "whole".
I think you misread.If Grandma's insurance company paid for the repairs directly, then either no deductible was paid by the not-at-fault driver, or it was already taken into account with the $550 amount.
The amount isn't negotiable because it's what the insurance company actually paid out because of the damages and you will need to make them "whole".
Grandma's car wasn't damaged. The not at fault person's car was damaged, and, apparently, they went through their OWN insurance company.I received a letter from the insurance company of the damaged car. I tried to contact them by phone on three occasions but was unsuccessful. I was in the process of writing a letter to them when the "friend's grandma" shows up on my doorstep with a letter in hand from her insurance company stating that they have settled the claim for $550.93 to repair the damaged vehicle. Now the grandma wants me to pay her $550.93.
Further in the post it is stated that Grandma's carrier actually paid the claim. The initial letter to the poster was just the claim. Once the other carrier contacted grandma's carrier the claim was resolved.
Since grandma's carrier paid the claim, the carrier must have determined the poster's son was a permissive user and therefore covered by the policy. The poster will not be contacted by the other carrier anymore.
Grandma's carrier will likely raise grandma's premiums but will not go after the poster or his son for reimbursement. The son is considered an insured for the accident. If the son had his own insurance, then the carrier would go to that carrier for reimbursement.
Since grandma's carrier paid the claim, the carrier must have determined the poster's son was a permissive user and therefore covered by the policy. The poster will not be contacted by the other carrier anymore.
Grandma's carrier will likely raise grandma's premiums but will not go after the poster or his son for reimbursement. The son is considered an insured for the accident. If the son had his own insurance, then the carrier would go to that carrier for reimbursement.
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