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http://www.finance.alberta.ca/pu ... auto_collision.html1 B& ^& z6 l7 X9 Q
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Dealing with the other driver's insurance company' n; f1 v+ I; b# d
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If the other driver caused the collision, you have two options:" t& m5 \5 X0 K3 t
' B' l* e- X+ b$ ]- You may claim under your own collision coverage, if you carry it. Your company will pay your claim, then deal with the other insurance company. Be sure to ask if your premium will be affected if you claim on your own policy. With this option, you may have to pay your deductible up front, but you can attempt to recover it from the other insurance company or the other driver.
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, [, K' t" p4 H1 c5 c: t- y" R( M6 lWhen you claim on your own policy, the appraisal process is available to you.
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- You may claim directly against the other driver through his or her insurance company. If you wish to do this, notify that company after contacting your own insurance company. Many of the steps listed above still apply. You select a body shop and obtain an estimate, but your dealings are with the other company. However, if you choose this option, the provision for formal appraisal does not apply.6 t2 n; [+ M w
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! f+ }) C0 C' H4 _) }The other driver’s insurance company may ask you to sign a release form before paying you or the body shop you have chosen. When you sign a release form, you discharge the other person and his or her insurance company from any further liability to you. It is a final payment. Read the form carefully to make sure that you are releasing only the claims for which you have settled. If your claim has not been finalized with regard to personal injuries you suffered in the collision, make sure the form does not release liability for your injury. You may wish to consult a lawyer.
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. m5 A3 p$ W) g/ M' Z1 y+ BIf the other driver refuses to file a report with his or her insurance company, the company may deny your claim unless you sue the driver in court and get a judgment. |
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