Insurance Question

Alpine Whiteboy · 10-15-2010, 07:30 PM

OK so as most of you know, my car was rear ended by a yelllow cab 6 WEEKS AGO! I still haven't been sent a check for the damages by the yellow cabs insurance company.

I've taken my car to MAC to do the repairs but since they never got a check yet, I've taken my car back (since its drivable). MAC suggested I don't go thru my insurance, to just send the cab all my info with the police report and let them pay for everything.

My question is, WHY SHOULDN'T I go thru MY insurance??? I have full coverage for a reason, why don't I just let Allstate pay and let THEM worry about getting the money back from the cab??? Is it because my insurance rate might go up?? I don't see how it would being that I was stopped at a red light and the cab ADMITS FAULT on the police report...???

I'm just VERY VERY VERY VERY frustrated and TIRED of calling these assholes asking where my money is and sending them letters from my lawyer...

Thanks for any help in advance.

emaile · 10-15-2010, 09:48 PM

What up Alpine,
Once you file a police report the accident will show on your DMV record. So your insurance could go up due to the no fault law in NY state. At this point you can contact your insurance company and have them handle it.

kushtrim · 10-15-2010, 09:58 PM

you have to pay the dedoctoble anyway so your going to have to deal with them anyway cuz they have to pay you that amount , just call and yell at them, it helps cuz I had the same problem ones

Racerxy1 · 10-15-2010, 11:34 PM

Respond with your e-mail and I'll send you my tel # and we can discuss it.

itsbrokeagain · 10-16-2010, 12:02 AM

my coworker just got hit by a cab in his car. Cabbie insurance is the lowest ranking scum out there...they will never pay for shit at all..and you have to fight them good for it to get them to pay anything.

TT3 iN NyC · 10-16-2010, 10:15 AM

Your best bet would be going thru your own insurance and let them fight it out with the cabbie insurance. They have more resources and should get the money quicker. Im probably sure you are extremely frustrated but this is the quickest way to have your car back on the road. Good luck bro.

Joe @ Martino Auto Concepts · 10-16-2010, 11:29 AM

Quote:

Originally Posted by Alpine Whiteboy

OK so as most of you know, my car was rear ended by a yelllow cab 6 WEEKS AGO! I still haven't been sent a check for the damages by the yellow cabs insurance company.

I've taken my car to MAC to do the repairs but since they never got a check yet, I've taken my car back (since its drivable). MAC suggested I don't go thru my insurance, to just send the cab all my info with the police report and let them pay for everything.

My question is, WHY SHOULDN'T I go thru MY insurance??? I have full coverage for a reason, why don't I just let Allstate pay and let THEM worry about getting the money back from the cab??? Is it because my insurance rate might go up?? I don't see how it would being that I was stopped at a red light and the cab ADMITS FAULT on the police report...???

I'm just VERY VERY VERY VERY frustrated and TIRED of calling these assholes asking where my money is and sending them letters from my lawyer...

Thanks for any help in advance.

Sent you a PM.

Ali.K_BMW · 10-16-2010, 11:33 AM

Go through insurance. The insurance company will go after the CAB company for payment. They will also recover your deductible.

E31BMW · 10-17-2010, 08:00 AM

I've been through this
Multiple times. If you get hit, and it's not your fault - therefore your insurance doesn't pay out, your rate wont go up. There is no need to pay your deductible to fix your car. You will have to fight the cabbie's ins down for the money. I'm sure u'll get it.

Jeff@TopGearSolutions · 10-17-2010, 01:26 PM

Quote:

Originally Posted by e31e92

I've been through this
Multiple times. If you get hit, and it's not your fault - therefore your insurance doesn't pay out, your rate wont go up. There is no need to pay your deductible to fix your car. You will have to fight the cabbie's ins down for the money. I'm sure u'll get it.

This is the best advice...

call the cabs insurance company.

jmar0351 · 10-17-2010, 02:24 PM

Quote:

Originally Posted by trackfiend

Go through insurance. The insurance company will go after the CAB company for payment. They will also recover your deductible.

I agree with you *story to follow*.....

I had recently moved from Hawaii to New York and informed my insurance company (state farm). They managed to send two letters to the wrong address after I called them to update to an office out here (this was before I was driving, since it took a month to get the car here)
Many more things happen... but eventually they sent a letter dropping me (no call at all... and still to the wrong address AND i was fully paid for the year). Of course, I got into an accident where I was very lucky to not be the one at fault. I end up finding out all the bs, so I went after the other guys insurance and got 70/30 payment just by myself. The moral of this long story is, that if my insurance wasn't giving me the run around I would have gotten his insurance to cover everything.

Let your insurance do their job, especially if you got rear-ended, and call that insurance rep, he can give you some inside info. (and good luck)

10-15-2010, 07:30 PM	#1
Alpine Whiteboy Jerry's Fault... 175 Rep 9,258 Posts Drives: 2013 535xi M-Sport SGM Join Date: Sep 2009 Location: Queens, N.Y. iTrader: (1)	Insurance Question OK so as most of you know, my car was rear ended by a yelllow cab 6 WEEKS AGO! I still haven't been sent a check for the damages by the yellow cabs insurance company. I've taken my car to MAC to do the repairs but since they never got a check yet, I've taken my car back (since its drivable). MAC suggested I don't go thru my insurance, to just send the cab all my info with the police report and let them pay for everything. My question is, WHY SHOULDN'T I go thru MY insurance??? I have full coverage for a reason, why don't I just let Allstate pay and let THEM worry about getting the money back from the cab??? Is it because my insurance rate might go up?? I don't see how it would being that I was stopped at a red light and the cab ADMITS FAULT on the police report...??? I'm just VERY VERY VERY VERY frustrated and TIRED of calling these assholes asking where my money is and sending them letters from my lawyer... Thanks for any help in advance. __________________ *BoopieMotorwerks MartinoAutoConcepts**
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10-15-2010, 09:48 PM	#2
emaile Second Lieutenant 20 Rep 266 Posts Drives: e92 M3 Join Date: Apr 2010 Location: NY iTrader: (3)	What up Alpine, Once you file a police report the accident will show on your DMV record. So your insurance could go up due to the no fault law in NY state. At this point you can contact your insurance company and have them handle it.
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10-15-2010, 09:58 PM	#3
kushtrim Major 176 Rep 1,301 Posts Drives: AW 528 xdrive (AW 335i coupe s Join Date: Dec 2008 Location: bronx N.Y iTrader: (3) Garage List 2008 335i coupe [10.00]	you have to pay the dedoctoble anyway so your going to have to deal with them anyway cuz they have to pay you that amount , just call and yell at them, it helps cuz I had the same problem ones __________________ M-tech front and rear bumpers /M3 style side skirts/gloss black painted roof/ black window trim/Matt black grill/35%tints/4"dimisaTips/CF splitters/M3 style trunk spoiler/VMR V70s/JB4/BMS dci/AMS FMIC/H&R sport with BMW performance shocks. Thanx Sal and he's crew@AutoCoutureMotoring
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10-15-2010, 11:34 PM	#4
Racerxy1 New Member 0 Rep 25 Posts Drives: 2013 328i xDrive Join Date: Oct 2007 Location: White Plains NY iTrader: (0)	I'm an Allstate Agent. Respond with your e-mail and I'll send you my tel # and we can discuss it.
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10-16-2010, 12:02 AM	#5
itsbrokeagain 310 Rep 15,745 Posts Drives: 1999 528iT, E53 X5, E46 325xi Join Date: Mar 2007 Location: Strong Island iTrader: (7)	my coworker just got hit by a cab in his car. Cabbie insurance is the lowest ranking scum out there...they will never pay for shit at all..and you have to fight them good for it to get them to pay anything.
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10-16-2010, 10:15 AM	#6
TT3 iN NyC Colonel 247 Rep 2,567 Posts Drives: F80 M3CS Join Date: Aug 2007 Location: nYc iTrader: (9)	Your best bet would be going thru your own insurance and let them fight it out with the cabbie insurance. They have more resources and should get the money quicker. Im probably sure you are extremely frustrated but this is the quickest way to have your car back on the road. Good luck bro. __________________ 07 e92 335i - Retired 18 F80 M3CS - Retired 21 G20 330i M-Sport - Current
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10-16-2010, 11:33 AM	#8
Ali.K_BMW Colonel 111 Rep 2,164 Posts Drives: 2020 BMW 330i xDrive Join Date: Aug 2008 Location: United States iTrader: (7) Garage List 2013 BMW 335i [0.00]	Go through insurance. The insurance company will go after the CAB company for payment. They will also recover your deductible. __________________ Former BMW Client Advisor
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10-17-2010, 08:00 AM	#9
E31BMW Major 97 Rep 1,225 Posts Drives: Cars! Join Date: Oct 2009 Location: NYC iTrader: (28)	I've been through this Multiple times. If you get hit, and it's not your fault - therefore your insurance doesn't pay out, your rate wont go up. There is no need to pay your deductible to fix your car. You will have to fight the cabbie's ins down for the money. I'm sure u'll get it.
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