LAA said: (quoted from post at 08:46:16 08/04/14) Whose insurance is paying? Is this your farm buildings policy or the wino's vehicle insurance? If it is the Drunks company trying to lowball you maybe you can ask your own insurance company to intervene as State Farm did that for my Daughter when someone hit her head on, totaled her car (with one note left to pay on it) then wanted her to pay storage until they sent an adjuster, did not want to rent her a vehicle to get to work etc. State Farm took care of my Daughter then took it up with the other company.
You are correct in a situation like you described. In no fault states (applies in most to vehicle vs vehicle only) your company takes care up to the limits on the policy. Then the other person's, if they are at fault, thier insurance kicks in. After the insurance is settled then the companies sort it out as to what is owed by the at fault drivers company. Exceptions are you have liability only and are not at fault then the others guys insurance kicks in and fixes/replaces your car. Depending on how your home/farm policy is written you may or may not be able to go through your company. It's worth checking into.
Rick
This post was edited by oldtanker at 13:03:20 08/04/14.
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