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<\/a>What\u00a0To Do If Someone Hits Your Car in Maine<\/span><\/h2>\n\n- If it’s safe to do so, get the person’s name, address, phone number and insurance company information – BEFORE the police arrive!<\/li>\n
- Call the police if the total damage (both vehicles) appears to be more than $1,000. If there’s visible damage – even minor – it’s probably more than $1,000.<\/li>\n
- Give your statement to the police. Don’t admit any fault to the other driver, or argue about whose fault the accident was.<\/li>\n
- Report the accident to your Maine auto insurance agent<\/a>.<\/li>\n<\/ul>\n
Should\u00a0I Use My Insurance or Theirs?<\/span><\/h2>\nIf the accident was clearly the\u00a0other driver’s fault (e.g. you were legally parked), try their insurance first. \u00a0Using their insurance avoids having to pay your collision deductible, allows you to keep your Maine car insurance discounts<\/a>, and contains no daily limit on rental coverage. Of course, if\u00a0 you’re a victim of a hit-and-run accident, you have no choice but to use your own insurance. Your own local insurance agent can help you start the process.<\/span><\/p>\nUse their insurance if:<\/strong><\/span><\/p>\n\n- You got their insurance information at the scene, or can quickly get the Maine police report (many police reports aren’t available for several days).<\/span><\/li>\n
- Their insurance company accepts responsibility quickly (within 24 hours after you contact them). <\/span><\/li>\n
- You did not buy\u00a0collision coverage on your own policy.<\/span><\/li>\n<\/ul>\n
The Other Company Isn’t Responding After the Accident<\/span><\/h2>\nThe other insurance company must confirm liability before they accept responsibility to fix your car. They do this in one of three ways:<\/span><\/p>\n\n- Their customer<\/strong>\u00a0admits to them that they were clearly at fault (e.g. hit your parked car, rear-ended you at a stop light).<\/span><\/li>\n
- The police report<\/strong> says the other driver was at fault (police reports may not be available for several days).<\/span><\/li>\n
- After\u00a0their own investigation<\/strong>, the insurance company determines that their customer was at fault. <\/span><\/li>\n<\/ul>\n
If it’s taking too long for the insurance company to accept responsibility, you may choose to make a claim on your own policy. \u00a0You’ll have to pay your collision deductible, but\u00a0at least you’ll get your car fixed, and get on with your life.<\/span><\/p>\nWill I Get My Deductible Back if My Insurance Company Collects from the Other Insurance Company?<\/span><\/h2>\nYes. if they collect from the other insurance company (a process called “subrogation”), your Maine insurance company will reimburse your deductible, and wipe the accident off your record.<\/span><\/p>\nWho Will Help Me Deal With The Other Insurance Company?<\/span><\/h2>\nThat depends on where you bought your insurance. \u00a0If you bought your car insurance or Maine commercial vehicle insurance<\/a> from an independent local Maine insurance agent<\/a> like Noyes Hall & Allen, they can help you report that claim to the other company. Your claim against the other insurance company should not affect your insurance company or your policy. <\/span><\/p>\nIf you bought your Maine car insurance online, you’re probably on your own. One more reason to buy insurance from a local agency instead of a computer or 800 number.\u00a0<\/span><\/p>\nOf course, if you have no insurance at all on your vehicle, you’re really on your own.<\/p>\n
<\/p>\n","protected":false},"excerpt":{"rendered":"
This week alone, two of my friends’ parked cars have been hit by someone else. One in Portland Maine. The other in Westbrook, Maine. A responsible person would leave\u00a0their contact information for the poor victim, but that doesn’t always happen. If\u00a0you can’t identify who hit your car, you have little recourse but to use […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2,21,5,37,8,14],"tags":[67,41,7,36],"class_list":["post-1256","post","type-post","status-publish","format-standard","hentry","category-auto-insurance","category-business-insurance","category-car-insurance","category-commercial-vehicle-insurance-business-insurance","category-motorcycle-insurance","category-personal-insurance","tag-auto-insurance","tag-claims","tag-living-in-maine","tag-saving-money"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t
Should\u00a0I Use My Insurance or Theirs?<\/span><\/h2>\nIf the accident was clearly the\u00a0other driver’s fault (e.g. you were legally parked), try their insurance first. \u00a0Using their insurance avoids having to pay your collision deductible, allows you to keep your Maine car insurance discounts<\/a>, and contains no daily limit on rental coverage. Of course, if\u00a0 you’re a victim of a hit-and-run accident, you have no choice but to use your own insurance. Your own local insurance agent can help you start the process.<\/span><\/p>\nUse their insurance if:<\/strong><\/span><\/p>\n\n- You got their insurance information at the scene, or can quickly get the Maine police report (many police reports aren’t available for several days).<\/span><\/li>\n
- Their insurance company accepts responsibility quickly (within 24 hours after you contact them). <\/span><\/li>\n
- You did not buy\u00a0collision coverage on your own policy.<\/span><\/li>\n<\/ul>\n
The Other Company Isn’t Responding After the Accident<\/span><\/h2>\nThe other insurance company must confirm liability before they accept responsibility to fix your car. They do this in one of three ways:<\/span><\/p>\n\n- Their customer<\/strong>\u00a0admits to them that they were clearly at fault (e.g. hit your parked car, rear-ended you at a stop light).<\/span><\/li>\n
- The police report<\/strong> says the other driver was at fault (police reports may not be available for several days).<\/span><\/li>\n
- After\u00a0their own investigation<\/strong>, the insurance company determines that their customer was at fault. <\/span><\/li>\n<\/ul>\n
If it’s taking too long for the insurance company to accept responsibility, you may choose to make a claim on your own policy. \u00a0You’ll have to pay your collision deductible, but\u00a0at least you’ll get your car fixed, and get on with your life.<\/span><\/p>\nWill I Get My Deductible Back if My Insurance Company Collects from the Other Insurance Company?<\/span><\/h2>\nYes. if they collect from the other insurance company (a process called “subrogation”), your Maine insurance company will reimburse your deductible, and wipe the accident off your record.<\/span><\/p>\nWho Will Help Me Deal With The Other Insurance Company?<\/span><\/h2>\nThat depends on where you bought your insurance. \u00a0If you bought your car insurance or Maine commercial vehicle insurance<\/a> from an independent local Maine insurance agent<\/a> like Noyes Hall & Allen, they can help you report that claim to the other company. Your claim against the other insurance company should not affect your insurance company or your policy. <\/span><\/p>\nIf you bought your Maine car insurance online, you’re probably on your own. One more reason to buy insurance from a local agency instead of a computer or 800 number.\u00a0<\/span><\/p>\nOf course, if you have no insurance at all on your vehicle, you’re really on your own.<\/p>\n
<\/p>\n","protected":false},"excerpt":{"rendered":"
This week alone, two of my friends’ parked cars have been hit by someone else. One in Portland Maine. The other in Westbrook, Maine. A responsible person would leave\u00a0their contact information for the poor victim, but that doesn’t always happen. If\u00a0you can’t identify who hit your car, you have little recourse but to use […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2,21,5,37,8,14],"tags":[67,41,7,36],"class_list":["post-1256","post","type-post","status-publish","format-standard","hentry","category-auto-insurance","category-business-insurance","category-car-insurance","category-commercial-vehicle-insurance-business-insurance","category-motorcycle-insurance","category-personal-insurance","tag-auto-insurance","tag-claims","tag-living-in-maine","tag-saving-money"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t
Use their insurance if:<\/strong><\/span><\/p>\n The other insurance company must confirm liability before they accept responsibility to fix your car. They do this in one of three ways:<\/span><\/p>\n If it’s taking too long for the insurance company to accept responsibility, you may choose to make a claim on your own policy. \u00a0You’ll have to pay your collision deductible, but\u00a0at least you’ll get your car fixed, and get on with your life.<\/span><\/p>\n Yes. if they collect from the other insurance company (a process called “subrogation”), your Maine insurance company will reimburse your deductible, and wipe the accident off your record.<\/span><\/p>\n That depends on where you bought your insurance. \u00a0If you bought your car insurance or Maine commercial vehicle insurance<\/a> from an independent local Maine insurance agent<\/a> like Noyes Hall & Allen, they can help you report that claim to the other company. Your claim against the other insurance company should not affect your insurance company or your policy. <\/span><\/p>\n If you bought your Maine car insurance online, you’re probably on your own. One more reason to buy insurance from a local agency instead of a computer or 800 number.\u00a0<\/span><\/p>\n Of course, if you have no insurance at all on your vehicle, you’re really on your own.<\/p>\n <\/p>\n","protected":false},"excerpt":{"rendered":" This week alone, two of my friends’ parked cars have been hit by someone else. One in Portland Maine. The other in Westbrook, Maine. A responsible person would leave\u00a0their contact information for the poor victim, but that doesn’t always happen. If\u00a0you can’t identify who hit your car, you have little recourse but to use […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2,21,5,37,8,14],"tags":[67,41,7,36],"class_list":["post-1256","post","type-post","status-publish","format-standard","hentry","category-auto-insurance","category-business-insurance","category-car-insurance","category-commercial-vehicle-insurance-business-insurance","category-motorcycle-insurance","category-personal-insurance","tag-auto-insurance","tag-claims","tag-living-in-maine","tag-saving-money"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n
The Other Company Isn’t Responding After the Accident<\/span><\/h2>\n
\n
Will I Get My Deductible Back if My Insurance Company Collects from the Other Insurance Company?<\/span><\/h2>\n
Who Will Help Me Deal With The Other Insurance Company?<\/span><\/h2>\n