What info to provide to other insurance company?

[Bob1475]

What is the name of your state (only U.S. law)? GA

I was rear ended while stopped at an intersection. Initially I felt no pain and there was minor damage to my car. The person who hit me, paid for the repairs to the car. ($1000)

Fast forward a couple weeks and I began to have severe neck pain and back pain. My medical doctor referred me to a chiropractor, whom I've been seeing for a few weeks. I've contacted the other person's insurance and filed a claim.

Since the other person already paid for the damages to the car, I'm only seeking monies to cover the medical bills. However, when speaking with the other insurance company, they also want the repair quote from the body shop. Since I'm not seeking money for that damage, do I need to provide that info, or only ask for the medical bills.

 

[ecmst12]

You should provide the info. The insurance company should reimburse their driver for what he paid to you.

 

[Bob1475]

His deductible was $1000 which is why he didn't want to involve insurance in the first place. When the pain set in, that's when I filed a claim and kicked off the process with his insurance company.

 

[Zigner]

His deductible was $1000 which is why he didn't want to involve insurance in the first place. When the pain set in, that's when I filed a claim and kicked off the process with his insurance company.

There is no deductible when the money is being paid out to another party.

 

[Bob1475]

Learn something new everyday! Had never been in or caused an accident until this one.

 

[Zigner]

There is no deductible when the money is being paid out to another party.

I feel that it's necessary to clarify: if insurance pays out money to another party for damages that their client caused, there is no deductible.

 

[bluefitness]

I have a feeling that you didn't repair the vehicle. There is nothing wrong with that. You do not have to repair/fix your vehicle, unless you have a lien on the vehicle. If you own it outright, it is your option on whether to repair it or not. If I'm incorrect regarding your reluctance to not provide the info to the insurance company, I apologize. My adjuster wrote me a check personally for the damage to my vehicle. It is up to me if I want to repair it or not. In this situation, I am going to repair it do safety concerns. I think adjusters base the severity of accidents based on the damage to the vehicles. That is probably why they want this information. They are also more than likely trying to figure out how the accident occurs. I think they try to act like detectives. The appraiser was questioning me about the damage to my vehicle. He was wondering how my drivers side was damaged and the rear bed, while the doors in between were fine. I had to explain how the accident occurred and show him that the same exact markings were on the front and rear portions of the vehicle.