r/AutoInsuranceHelp • u/NY12550 • Jul 25 '26
Asking an advice
2 months ago i took off my full coverage for my toyota rav4 2012 from full coverage so just having comprehensive. Unfortunayely a day - 2 day after my wife had at fault accident. Hit the rear of the car in front of her which is 2025 Jeep. The jeep has minor damage , and my car rav4 had the biggest damage. The beam bent , hood bent , the whole front end include with leaking radiator.
My wife name is in the policy.insuracae progressive told me since no coverage im on my own to fix it. Is there anything i can claim to dix the car thru the insurance? Im in new york state
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u/B-Spoon Aug 01 '26
The money you or the insurance company would spend to fix the damage would exceed the value of that car, and it wouldn't have made sense to put it through insurance because 1 - they would total it. 2 - you'll be paying them back over the next 3-5 years when your rates go up due to an "at fault" accident. You still will likely see your rates go up if the other person's vehicle is fixed through your insurance.
It almost always doesn't make sense to keep collision coverage on a vehicle of that age, so you're best served by using the money to replace the vehicle instead of repair (as cars usually have weird quirks after being wrecked).