I was in a minor accident last September. Driving in the right lane on a four-lane street in the city, when the guy next to me (in the left lane) suddenly decided to turn right into a driveway. Damage to the right side of his car, and left side of mine. No big deal, but ugly body damage.
We pulled over and the first thing he said was "I'm really sorry, it was all my fault." OK, I figured that was clear, so we exchanged insurance information and went our separate ways. He added that he was going to a job interview, looking for an address, and saw it at the last minute, which partly explains the event.
I talked to my insurance company, and of course they gave me the choice of going after his company or letting them take care of my repairs subject to my deductible.
I have a $1,000 deductible, but I really like my company so I swallowed hard and went with them, paying $1,000 to the body shop.
It turned out that the other guy's insurance company wanted to dispute it, and my company has been going through all the motions, including third-party arbitration, all this time. They finally prevailed, and today I got a $1,000 check in the mail, reimbursing my deductible.
My last accident (also not my fault) was nearly 40 years ago, and I well remember the hassles of dealing with the other guy's insurance, so I'm sure I made the right decision this time.
No real lesson here, just wanted to share an interesting story and comment that USAA will go the extra mile to take care of customers. (I've been a member since 1968, which probably helps.)
We pulled over and the first thing he said was "I'm really sorry, it was all my fault." OK, I figured that was clear, so we exchanged insurance information and went our separate ways. He added that he was going to a job interview, looking for an address, and saw it at the last minute, which partly explains the event.
I talked to my insurance company, and of course they gave me the choice of going after his company or letting them take care of my repairs subject to my deductible.
I have a $1,000 deductible, but I really like my company so I swallowed hard and went with them, paying $1,000 to the body shop.
It turned out that the other guy's insurance company wanted to dispute it, and my company has been going through all the motions, including third-party arbitration, all this time. They finally prevailed, and today I got a $1,000 check in the mail, reimbursing my deductible.
My last accident (also not my fault) was nearly 40 years ago, and I well remember the hassles of dealing with the other guy's insurance, so I'm sure I made the right decision this time.
No real lesson here, just wanted to share an interesting story and comment that USAA will go the extra mile to take care of customers. (I've been a member since 1968, which probably helps.)