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Thread created 07-05-2012 by usidol
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use the one willing to inflate the bill by 40-50% & give you 70-80% of the overage in cash.
Insurance claim in this situation
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Thread created 07-05-2012 by usidol
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what does OEM stand for?
Insurance claim in this situation
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Thread created 07-05-2012 by usidol
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Talk to your insurance agent...they will help you (at least that has been my experience with our agent, they deal/dealt with the other person/other person's insurance so that we didn't have to).
Insurance claim in this situation
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Thread created 07-05-2012 by usidol
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Are you sure with Shop 1 they need to keep your car for 3 weeks? It seems if there is that much time to get parts they could order the parts, let you know when they are in and actually do the work,...
Insurance claim in this situation
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Thread created 07-05-2012 by usidol
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That's incorrect.
Insurance claim in this situation
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Thread created 07-05-2012 by usidol
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Explain then. I think you'll find I'm correct on this. For OP's situation in Michigan its all under normal Comprehensive and collision coverage... "no fault" does not apply.
His accident and...
Insurance claim in this situation
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Thread created 07-05-2012 by usidol
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Subrogation. I pay my deductable and have my insurance carrier handle it. They get reimbursed from the other insurance I get my deductible back plus any out of pocket expenses for the rental.
Insurance claim in this situation
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Thread created 07-05-2012 by usidol
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I don't have rental car insurance in my auto insurance coverage, so my insurance company said 'No' for the rental coverage.
I am not sure how should I proceed to get rental car coverage from other...
Insurance claim in this situation
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Thread created 07-05-2012 by usidol
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What's the process? Can you share?
Insurance claim in this situation
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Thread created 07-05-2012 by usidol
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Not in MI.
Insurance claim in this situation
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Thread created 07-05-2012 by usidol
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Michigan has no fault insurance only a handful of states do so keep that in mind when you read peoples replies. I can tell by reading them they are not geared to no fault insurance. Thats all the...
Insurance claim in this situation
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Thread created 07-05-2012 by usidol
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I need to get my car repaired. This repair is needed for none of my fault. I have no past claim with my insurance company in last 8-10 years. I don't have rental car coverage in my insurance policy....
Insurance claim in this situation
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Thread created 07-05-2012 by usidol
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option 2 and get a rental, who ever hit you is 100% responsible for this and their insurance will cover the cost, at least this is how it is here in MA
Insurance claim in this situation
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Thread created 07-05-2012 by usidol
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*******OEM Office of Emergency Management
****** OEM Oracle Enterprise Manager
****** OEM Occupational and Environmental Medicine
***** OEM Oregon Emergency Management
***** OEM Organización...
Insurance claim in this situation
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Thread created 07-05-2012 by usidol
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Not really worth the trouble of going through the whole legal process, to be honest. If his insurance does not cover the rental then either start car pooling or just pay up.
Insurance claim in this situation
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Thread created 07-05-2012 by usidol
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You are not allowed to subrogate in MI?
Insurance claim in this situation
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Thread created 07-05-2012 by usidol
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So who's insurance is covering it yours or the person who hit you?
Did you file a claim with their insurance?
Insurance claim in this situation
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Thread created 07-05-2012 by usidol
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What state do you live in?
Depending on which state you live in, you might be able to choose any company you want - even one that's not on their preferred provider list.
Also, depending on...
Insurance claim in this situation
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Thread created 07-05-2012 by usidol
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Thanks. I am in Michigan
Insurance claim in this situation
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Thread created 07-05-2012 by usidol
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I talked many times and got just one answer...You don't have rental car included in your auto insurance.
Insurance claim in this situation
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Thread created 07-05-2012 by usidol
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Same here. In MI too.
And same problem last month.
No fault law in MI. Nothing you can do about it.
Insurance claim in this situation
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Thread created 07-05-2012 by usidol
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yeah make sure you get that in written that they will use new OEM parts. Has to be in written otherwise they will just use normal parts, affecting value of your car.
in that case, choose shop...
Insurance claim in this situation
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Thread created 07-05-2012 by usidol
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Someone hit my car from the back. Insurance company asked me to pick wherever I want to go as both Shop1 and Shop2 are in their list of repair shops.
Insurance claim in this situation
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Thread created 07-05-2012 by usidol
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No-fault in MI essentially means that YOUR insurance company will pay for your accident, regardless of who is at fault - it covers auto damage in ADDITION to any medical claim.
For example -...
Insurance claim in this situation
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Thread created 07-05-2012 by usidol
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++ this is exactly what I recall from my time living in MI. Theres only a couple states that have a policy similar to MI so most the info in this thread is not accurate.
Insurance claim in this situation
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Thread created 07-05-2012 by usidol
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No Fault only refers to the medical claim... which sounds like is not the issue.
Insurance claim in this situation
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Thread created 07-05-2012 by usidol
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Well, maybe that is the answer - unfortunately.
But I'm wondering, just to be clear, you asked your agent to find out if you can get a rental car from the insurance company of the person that hit...
Insurance claim in this situation
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Thread created 07-05-2012 by usidol
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Then pay for the rental car and get reimbursed by the person that hit you.
Insurance claim in this situation
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Thread created 07-05-2012 by usidol
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It's really not much of a trouble at all. I've had to do it twice.
Insurance claim in this situation
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Thread created 07-05-2012 by usidol
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Your premiums should not increase for a not at-fault accident even if it was hit and run or uninsured driver. But I'd go with the 2nd one. Make sure whoever you use uses FACTORY OEM parts and not...
Insurance claim in this situation
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Thread created 07-05-2012 by usidol
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Not sure if Repair shop will give that in writing as that is something controlled by insurance company as well. Insurance company normally recommends either OEM or good quality used OEM parts. No...
Insurance claim in this situation
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Thread created 07-05-2012 by usidol
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Did someone crash into your car or were you involved in an accident?
Most insurance companies require 2-3 quotes from different shops and they choose the lowest one. I would probably go with Shop...
