Wife was in a wreck this morning, next steps?

[Tex21]

I would contact his insurance and try to file the claim through them, get your agent to do this if you can. IF they want to give you the run around then file under yours and let them subrogate against the other guys insurance. Get as many bluebook type estimates on your truck as you can. This will help you get the correct money you deserve.

Bugleboy lays out the deductible pretty good

[Reaper]

Your insurance company should be taking the lead on this you should not have to call or deal with the other insurance directly. I totaled a car in October, other drivers fault, my insurance company did all the work.

Sent from my SM-G965U using Tapatalk

[Etxbuckman]

Sure hope your wife is ok! One good reason to allow the other insurance company to handle and pay is that, if you use your own coverage, you will be out your collision deductible until your company can subrogate against the at fault party's company. The process to recover your money can take months. It is YOUR prerogative however. So if you feel the other insurance carrier is dragging their feet, file it with your own carrier. If you have PIP (Personal Injury Protection) coverage, you'll want to file with your own carrier anyway. PIP claims can cover medical bills AND the lost wages you mentioned. Sounds like you have a pretty good handle on what all to keep up with and ask for. Hope all goes well for you.

This. Everyone wants to make their own insurance company handle it till they find out they gotta pay their deductible.

[Tomkat70]

Prayers sent

[Cajun Blake]

document, document, document

write everything down and keep a journal of phone calls, who she spoke with, responses, daily activities, out of pocket expenses with receipts, etc... sounds **** but some of these things will be very important to remember in the future

[JTRichardson]

This. Everyone wants to make their own insurance company handle it till they find out they gotta pay their deductible.

I agree with the gentleman as well, and to be honest money out of pocket isn’t the issue up front, I just want to make sure that our “quality of life” is restored to where it was before this guy hit her. Not a lot of trust in insurance companies (ours or his) so I came to the most trustworthy fire I’ve know for years.

Once again, thank you all for the advice and the PM’s with info. I appreciate all of it

[megger89]

document, document, document

write everything down and keep a journal of phone calls, who she spoke with, responses, daily activities, out of pocket expenses with receipts, etc... sounds **** but some of these things will be very important to remember in the future

I agree with this 100%!!! This is key!

[wellingtontx]

Document and put everything in writing. If it is not in writing, it did not happen. Confirm conversations with insurance adjusters in writing - even if an email. If you are requesting something - rent car, medical, etc. confirm in writing.

Don't short-change your wife on her required medical treatment. If she needs it, make sure she gets it. The money part will work itself out at the end of the day.

Also, call your agent and if you have PIP - request payment under same.

Take plenty of photos of your vehicle from all sides, angles, etc.

[Mayhem]

https://www.jimadler.com/

Sent from my iPhone using Tapatalk

[sectxag06]

don't sign anything until you have the money you want.

Not only that. But don’t take phone calls from the other insurance without preparing statements ahead of time.

[sectxag06]

document, document, document

write everything down and keep a journal of phone calls, who she spoke with, responses, daily activities, out of pocket expenses with receipts, etc... sounds **** but some of these things will be very important to remember in the future

This. State only facts you know. For instance, the injured party does not know the extent of her injuries since she is not a doctor or specialist.

[DUKFVR]

Let your insurance handle it. Try not to stress toobad. Be very careful of signing anything.

Keep receipts for any doctor co-pays, rental vehicles, document wages lost etc.

His insurance should cut the check for it all.

This! I would be taking their company to court if need be to get what I want out of my vehicle.
Prayers Up for your Wife.

[CentralTXHunter]

I went through this in October of 2018. I was hit by a girl texting and driving and flipped my truck numerous times. I was very fortunate and only had moderate injuries. Of course the truck was totaled. I chose not to go the lawyer route and handle it myself. She only had liability coverage (which we maxed out) and I had uninsured/under insured motorist coverage. I ended up finally settling 18 months later on the injury portion. The vehicle settlement was about 30 days or so. Knowing now what I didn’t know then, I would absolutely say call a lawyer. The out of pocket for me was not an issue, but the constant phone calls and keeping track of the paperwork was a huge time suck, not to mention already being behind going to physical therapy and other things rehabbing. I originally didn’t want a lawyer to take 1/3 of a finite pie, but I would have gladly given them that later.

A good lawyer will advise you on everything, however, if you choose to do it yourself be prepared for a few things.

1. You can have your insurance company do the legwork and they can subrogate with the at fault driver, but you will have to pay your deductible until they are paid by the at fault driver. Then they’ll reimburse your deductible.

2. Keep records and receipts of EVERYTHING.

3. Do not agree with their first quote for the value of your vehicle. Any receipts you have of modifications or recent repairs/tires/etc will add to the value.

4. Do not sign or agree to ANY settlement offer until your wife is back to 100% or as near 100% as doctors believe she will return.

5. Be prepared for a long, drawn out process.


Sent from my iPhone using Tapatalk

[texan4ut]

Call a lawyer.

[twright]

Hope all goes well. I have a long career with claim experience. PM me if you have some questions.