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Auto Insurance Claims/Totalled Car - Which insurance to claim?
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Question
Hello,
My car got totalled while on business due to a freak accident. My personal comprehensive insurance is underway to look at the damage. My employer's liability insurance is also prepared to reimburse for damages. Is it ok to claim insurance from both companies since one is comprehensive and other is liability? I do have 2 claims filed just in case. Or is that illegal? If I have to chose one, which one is my better bet?
It is illegal to make a profit on an insurance claim, but the company that offers you the best settlement is the obvious choice. Get both companies to look at the car and accept the highest offer. Obviously the liability carrier's figure will not be subject to a deductible.
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| Rating(1-10) | Knowledgeability = 10 | Clarity of Response = 10 | Politeness = 10 |
| Comment | Thanks much for clarifying the legality of the claim with 2 firms. I think the liability is a better option as you have indicated. | ||
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Answers by Expert:
Charlie Barone
Expertise
For questions involving auto damage claims, collision repair, forensics, industry practices, we can help. We specialize in claims for loss of resale value (Diminished Value).
Experience
I have 30 years experience in the collision repair and body reconstruction field, both hands-on and from behind the desk. I hold a Master Certification from ASE in the Body and Paint category, as well as their certification in Estimating. I have authored over 120 feature and training articles for the largest trade journal devoted to the collision repair industry, and have given expert testimony in court dozens of times. Licensed physical damage appraiser in Pennsylvania and reciprocal states.
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