NEW YORK (OCN) — John and Mary were married in November and weeks later, he added Mary to his Auto Insurance. While going to separate jobs on one snowy morning in December, Mary rams John in the rear with her car due to ice and the two cars now have damage. So what is going to happen when they file a claim? Our experts gives us a peek into what will happen.
As long as both cars have collision coverage, they have two collision claims, with two collision deductibles. Mary, obviously, will get a surcharge for an at fault accident.
Why is that? well, Property damage doesn’t apply, as the FULL wording of that coverage is, “property damage to OTHERS”, and it doesn’t cover property damage that you do to another car that you own.
So what do you think? I think the couple should get the estimates for repairs FIRST, then subtract out both deductibles, and seriously consider not reporting this accident at all to their insurance company.