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I just received this reply from the other driver's insurance company:
As previously mentioned, I have no collision coverage on this vehicle, so I cannot file a claim against my insurance policy (the vehicle is only worth about $5-6K). So my insurance company cannot be involved in any...
Got my first estimate today from a highly regarded repair shop, and it was $3,900. I will get two others to present in Small Claims Court, if the insurance company refuses to assign 100% liability to their insured driver.
I originally took it to a highly rated Body Shop and they took pics and wanted to work directly with the insurance company so they didn't give me an estimate. That was just before I found out about the insurance company wanting to only pay 85%.
I will go back to the shop and get a written...
At this point the matter of contention is the liability of each driver. For example, is the driver that hit me 100% liable, or only 85% liable, as claimed by his insurance company because they claim I should have taken more action to avoid the collision to mitigate the damages.
Once the issue...
Also, if I accept 15% liability (get 85% of my damages covered by other drivers' insurance), then that opens me up to a claim against my insurance company for 15% of the damage to the other car, which was more extensive. Apparently when the other driver swerved into me by sharply turning his...
The case would be in Forsyth County Georgia Small Claims Court, where suits up to $15,000 can be handled. Both drivers reside in that county. I checked the court website, and they have video equipment and connections to display my dashcam video, and I can go in ahead of time and test the...
I am in Georgia, not Texas. The insurance company is listed as a Foreign Insurance Company with the Georgia Sec of State (meaning registered to do business in GA, but no physical location). They are required to (and do) have a registered agent in GA. All of this I got from the company...
Waiting for the money is not a problem. Justice is my number one priority. I will also start a social media campaign starting with YouTube. There are many YouTube creators who do accident complication videos, and one has already asked for permission to use mine. This will end up being very bad...
Should I accept payment for repairs at 85% coverage (they claim I was 15% at fault) and have my car repaired, and then file a complaint with Georgia Office of Commissioner of Insurance (or if that fails then sue in Small Claims court), or does accepting the payment bind me to accepting the 85%...
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