I was driving down the road in my '02 Maxima, was in the left lane and was preparing to make a left turn (which was just after gas station). A lady comes stairght out of the gas station and hits me on the left side. Half of my left passenger door is messed up. I called up 911, took photos of the accident, exchanged information and after the formalities were completed, officer sent me on my way. While leaving I saw that officer was talking to the lady and gave her a yellow peice of paper(I don't know what that means).
I called up my insurance company (GEICO) and they told me I have two options, either go through them and pay my collision deductable ($500) and get everything fixed up. They also told me that as it was not my fault my premium will not go up (which I doubt). The other option they told me is that, I can call other persons insurance company (State Farm) and ask them to pay for all the collision damage repairs and rental car expenses.
I will get my police report today evening and then I am going to call their state farm agent. I have been associated with this group since I brought my '02 Maxima (in Dec'01) and personally beleive that I can get real and truthful adivce from you all. I would greatly appreciate if anyone of you can give me any advice or suggestions on how to go about my situation. I have been browsing the Internet on how to deal with these so called "adjusters" and frankly am little bit concerned about how to deal with these guys with out being ripped off or get a cheap fix for my baby. My accident took place in Charlottesville, Virginia. And I am resident of Virginia.
thank you all in advance and sorry for such a long post, BI