On December 22, I was in line waiting to pull out of shopping center parking lot onto the street. The light was red and the line was long. A 22yo backed up her car and hit mine and damaged my passenger side quarter panel and front bumper. She kept backing up despite the fact I was hitting the horn to get her attention. A witness raced up and told her to stop. I had no where to go as I was stuck in the middle and the left lane had people entering the parking lot. The bumper crumpled into the tire and the windshield wiper fluid was leaking. Thank God it wasn't worse.
We exchanged information and I forget to get her auto license plate number. She said she was covered by Mercury Insurance. I called Mercury and she hadn't filed a claim with them. So, I filed a claim and was later told there was a "coverage issue" and they would notify me after they investigate. After waiting for a week, I had my insurance adjuster come out and take pictures and give an estimate to the collision repair shop so that I can get my car repaired. My comprehensive coverage has a $500 deductible. I finally got a rental car as I needed to run some errands.
The repair shop will hopefully come and tow the car today (12/30/15) for repairs.
How successful are insurance companies at recovering the cost of repairs and refunding the deductibles? How long does it take for the deductible to be refunded. I'm unemployed with no income so I'd like to get my money back.
We exchanged information and I forget to get her auto license plate number. She said she was covered by Mercury Insurance. I called Mercury and she hadn't filed a claim with them. So, I filed a claim and was later told there was a "coverage issue" and they would notify me after they investigate. After waiting for a week, I had my insurance adjuster come out and take pictures and give an estimate to the collision repair shop so that I can get my car repaired. My comprehensive coverage has a $500 deductible. I finally got a rental car as I needed to run some errands.
The repair shop will hopefully come and tow the car today (12/30/15) for repairs.
How successful are insurance companies at recovering the cost of repairs and refunding the deductibles? How long does it take for the deductible to be refunded. I'm unemployed with no income so I'd like to get my money back.