“But the accident wasn’t my fault! Why should I use MY insurance?!” I get this question probably once a week.
I understand why you feel like you shouldn’t have to use your insurance, and I get that you think your rates will increase. But here is why sometimes using your own auto coverage is the best thing.
When someone else causes an accident you’re in, ideally their coverage gets right on the ball. They inspect your vehicle for damage, arrange for repairs, get you a rental, etc. If that’s happening, super cool! No need to bother your carrier. But what if it’s not happening?
When that stuff you need is not coming fast enough, you really don’t have a lot of leverage to use against the other guy’s insurance to move things along. Remember, they owe their client a duty to protect their interests, and they don’t really owe you anything. So if you have rental/collision coverage, it only makes sense to use it.
First, this is EXACTLY why you’re paying for it. Remember, you’re paying EXTRA for this coverage, as this is over and above the mandatory coverage you have to have to be driving legally. So why not get what you pay for?
Second, in NC you have a duty to mitigate your damages. That means that when you have a way to lessen your losses, you have to do that. You can’t claim the other party’s insurance delays caused you more harm and expect to get paid for it when you could have avoided that extra harm by simply triggering your own coverage.
Third, I know you’re worried about your deductible, but your carrier will almost certainly get it back from the bad guys, and they may not even charge you!
Fourth, I know you’re worried about insurance points/rate increases, but when an accident isn’t your fault, you don’t get insurance points, so there are no rate increases for that!
You’ve paid extra for this coverage, and now you need it, so use it! And remember, having an attorney to help guide you with this, ESPECIALLY if you’re badly injured, will only help!
Call me! 919-929-2992