my car was recently parked while hit. my insurance company has towed the car to a mechanic and is sending out an adjuster. will the other company cut me a check for damages or my insurance company?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Mar 30, 2018

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Insurance Question from Silver Spring, MD

Asked on 03/30/2018

my car was recently parked while hit. my insurance company has towed the car to a mechanic and is sending out an adjuster. will the other company cut me a check for damages or my insurance company? I would rather have insurance companies handle this beween them than deal with it as I am working rotations in emergency room

Answer given on April 05, 2018

Your parked car appears to have been towed by your insurance company and they are working on an estimate for your car.  Any settlement from your own insurance company will be less your collision deductible. After they settle with you, they will then go after the other insurance company for  reimbursement for your damages.  If they are successful in obtaining full reimbursement, they will then issue you a check for your deductible.  This can take some time.

You may be better served, and more quickly reimbursed, if you work through the other insurance company. If they agree with the estimate for damages, they will pay you in full.  If there is an issue as to the amount of damages, or they argue the cost of the estimate, and your insurance company has agreed to a higher amount, you may then be better off working through your insurance company even though you may have to wait for your deductible reimbursement.

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