Was rear ended on the highway
Hello, this was my third outing and the beginning of my vacation I have a 27 foot cougar fifth wheel 2015. I pull it with my ram 1500. I was driving on the highway and was rear ended by a car going 82...
Forum Discussion
First sorry to hear of your incident and situation and thank you for your service.
"State laws differ, but involving your insurance simply means they will pay up to your poicy limits and then try to collect from the at fault driver's insurance. The problem with this is two fold; first, the claim goes against your insurance and can be used to increase premiums, and second, you have eliminated any claim for pain and suffering as your insurance will not pay that to their insured- only actual loss.
You can agree or disagree but unless you have legal expertise like I have, perhaps a learned response carries more weight. "
^THIS is sage advice. While it's harder to keep your ins co out of it these days I'd imagine, this course of action worked well for me in the past. There are several reasons to try to follow this course of action and I would have contacted the offending party's insurance first. If you can get that info (you should have already had it unless the other party is uninsured and they should have received a no proof of insurance ticket on the scene), that would be best before opening a claim with your ins co.
IF the other party has no insurance then you're already on the right track.
However, there is often more than one side to the story and this is no exception. Truck/trailer is not drive-able, but you made it to the campground? You didn't get the other parties info? Were they injured? Did they get your insurance info? Were there any ad hoc claims like your brake lights weren't working etc?
Your policy limits including towing, rental, loss of use, etc?
This is all good info to try to know or figure out in short order.
If many of these questions are unanswered and you're unsure of what to do, then continue on with your ins co and let them be your advocate, imo.
Good luck!
"State laws differ, but involving your insurance simply means they will pay up to your poicy limits and then try to collect from the at fault driver's insurance. The problem with this is two fold; first, the claim goes against your insurance and can be used to increase premiums, and second, you have eliminated any claim for pain and suffering as your insurance will not pay that to their insured- only actual loss.
You can agree or disagree but unless you have legal expertise like I have, perhaps a learned response carries more weight. "
^THIS is sage advice. While it's harder to keep your ins co out of it these days I'd imagine, this course of action worked well for me in the past. There are several reasons to try to follow this course of action and I would have contacted the offending party's insurance first. If you can get that info (you should have already had it unless the other party is uninsured and they should have received a no proof of insurance ticket on the scene), that would be best before opening a claim with your ins co.
IF the other party has no insurance then you're already on the right track.
However, there is often more than one side to the story and this is no exception. Truck/trailer is not drive-able, but you made it to the campground? You didn't get the other parties info? Were they injured? Did they get your insurance info? Were there any ad hoc claims like your brake lights weren't working etc?
Your policy limits including towing, rental, loss of use, etc?
This is all good info to try to know or figure out in short order.
If many of these questions are unanswered and you're unsure of what to do, then continue on with your ins co and let them be your advocate, imo.
Good luck!
