> Disclaimer: I am not a lawyer and this is not legal advice.
> >
> > Not necessarily. You may be able to take him to small
> > claimes court for the amount.
> >
> >> I understand I have to file with my own insurance, and would receive
> >> reimbursement from them for damages in excess of my $500 deductible. > >
> > You should not be out $500. Again, if your insurance
> > doesn't cover it, you can take him to small claims court.
> > You did nothing wrong and you are entitled to a full
> > settlement.
> >
>
> Thanks, Jim.
>
> But consider this: it's really not the other guy's fault that I have a $500
> deductible. Common sense tells me his insurance should pay in full - if he
> wanted to avoid a premium hike, he could pay out-of-pocket.
>
> The absurdity starts with the fact that I even have to hit up my own insurance
> for the damage caused by another -insured- driver.
>
> florian
Round 'ere, no such thing as "no fault". In the eyes of the lawyers your where in the wrong place at the wrong time, that lead to you being involved. Basically if you wern't there at that time you wouldn't have been hit. Logical crap in my view, but I'm not a Lawyer....but I do know that wrong place wrong time means "25% in the wrong" Nothing to do with excess payments however. How well to you know the crash repairer. They have been known to give a "discount" once the claim is paid. Just a $0.02 thought....no idea if it helps any :-)