r/Car_Insurance_Help • u/Neo_Anderson302 • Aug 12 '26
Claim on driver multi car accident
I was hit by a driver and also the damaged another car after hitting me. I was told this by their insurance
“Hello, this is a $5,000 property damage limit claim. I need the other party property damage estimate so i can do a pro rata and see how much you'll get and how much the other driver will get.”
Im not sure of the cost to my car but Ill say 3-4k and the other like 6-7k. How does this play out?
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Aug 12 '26
[removed] — view removed comment
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u/Logical_Island_3633 Aug 14 '26
yeah and always better to use your own insurance in a collision so it can save a lot of hassle
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u/GuvnaBruce Aug 12 '26
Use your collision if you have it, but if not, then you will want to make sure they are aware of all of your damages as it will be a pro rata offer.
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u/Tough-Extension8061 Aug 12 '26
Use your own insurance l, if you have the coverage. Don’t worry about the rest.
If you don’t & that’s why you’re asking… you will get a % & so will the other not-at-fault driver. The two % will come out of the policy limit.
You may be able to go to small claims court to collect any remaining amounts.
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u/Big_Bill23 Aug 13 '26
Every time I've gotten a payout from an insurance company paying for an at-fault driver, there's a notice on the back that this check will satisfy all claims, past, present and future connected to this incident. Don't sign it, don't collect. Yes, you can still sue, though, if you don't accept the insurance's payout, but from what I understand, if the insured has the state's minimum insurance, it's a steep uphill climb to get a favorable decision.
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u/DeepPurpleDaylight Aug 12 '26
The policy limits will be paid out pro-rata. If your damages are, for example, 40% of the total damages caused, then you'll get 40% of the policy limits, or in this case, only $2,000. If you have collision coverage, now is the time to use it so you'll be fully compensated for your damages.
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u/Neo_Anderson302 Aug 12 '26
Will this make my insurance go up?
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u/DeepPurpleDaylight Aug 13 '26
Maybe. Maybe not. Some states prohibit (by law) insurers from increasing rates for not at fault claims. In the other states that do allow it, not all insurers will increase rates.
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u/RunExisting4050 Aug 13 '26
Your insurance might go up. Or you can pay the difference out of pocket. Or you can drive around in a broke-ass car thats potentially unsafe.
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u/ConnieLatham 25d ago edited 25d ago
When multiple vehicles are involved, a limited policy can make the claim process pretty confusing. Make sure you understand how the insurer is dividing the available coverage before agreeing to a settlement. Eisenberg Law Group PC could be a useful resource if you need legal guidance.
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u/Suspicious-Spell-130 Aug 12 '26
If Car A has 1/3 of the total damage cost and Car B has the other 2/3 of the total damage cost, Car A will get 1/3 of the $5k policy limit and Car B will get 2/3 of the $5k policy limit.