Car Insurance Claim Question?
historyteacher78 asked:
The other day a man ran into the back of my car with his car. He left a small hole in my bumper under the license plate area, and now my bumper is fanning out on the sides from being hit. I had previous damage on the right side of my bumper that I hadn’t been able to fix due to time issues. A claim adjuster from this man’s insurance company came to look at my car, and basically told me that since I had the previous damage on my bumper, the insurance company would not fix the damages he made. I argued that although I had damage on there previously, it still does not negate the fact that he still hit me and still left damage on my car. I then asked if the company is at least going to pay to get my bumper realigned, and she said no because they would have to replace the bumper, whic they wouldn’t do. Anyway, is it legal for a company to deny the claim due to previous damage or should they be held responsible still since they caused more damage to my car, but in another location?
So far I have received great answers. To update some of the questions asked. No police report was filed, because it was a minor collision. No I didn’t file a claim on my previous damage.
insurance claim
The other day a man ran into the back of my car with his car. He left a small hole in my bumper under the license plate area, and now my bumper is fanning out on the sides from being hit. I had previous damage on the right side of my bumper that I hadn’t been able to fix due to time issues. A claim adjuster from this man’s insurance company came to look at my car, and basically told me that since I had the previous damage on my bumper, the insurance company would not fix the damages he made. I argued that although I had damage on there previously, it still does not negate the fact that he still hit me and still left damage on my car. I then asked if the company is at least going to pay to get my bumper realigned, and she said no because they would have to replace the bumper, whic they wouldn’t do. Anyway, is it legal for a company to deny the claim due to previous damage or should they be held responsible still since they caused more damage to my car, but in another location?
So far I have received great answers. To update some of the questions asked. No police report was filed, because it was a minor collision. No I didn’t file a claim on my previous damage.
insurance claim
