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Question: Sent a bill from other party's auto insurance company?

(Posted by: Joe N on 2010-07-27 20:14:08)

Last year September 05, 09. i got into a car accident , in Oregon. Our car was badly damaged and the other drivers damage was almost non existent. The officer deemed that a police report was not needed. Our insurance covered our damage. But on the 20th of July 2010, The other drivers insurance company sent us a bill for $5000. What can i do in this case? Are they allowed to send a bill? Why doesn't her insurance cover her? I live in Canada, the car was a rental and was covered by Royal Bank of Canada's Visa insurance/ The Accident was also deemed no fault on both drivers my insurance does not cover 3rd party damages. Does the fact that the police statement stated no fault on both parties matter? The exact accident was that, i rear ended her because she stopped short due to an emergency vehicle passing. And the cop did not file a report because under Oregon law reports are not needed for damages under 1500, but he did file a statement stating neither parties were at fault.

Posted by: Paul on 2010-07-27, 20:50:08

The company would have the right of subrogation, that is to recover losses incurred, if you were at fault. It sounds like they are just throwing it out there, hoping you will pay. I would definitely get an attorney to look over your case, and to have him draft a letter to the insurance company.

Posted by: dick car guy on 2010-07-27, 20:53:08

Turn this over to your insurance company, believe it or not, sometimes people just pay a bill like that when they do not have to. Ask your insurance company what to do, since this issue has been resolved and been signed off on, its anybody s guess what is going through the head of some good off at the insurance company. good luck

Posted by: Entidtil on 2010-07-28, 06:31:22

Her insurance probably DID cover her. Now they are asking to be reimbursed. Turn the bill in to your insurance company. If they don't/ won't pay, you may have to. The police do not determine fault for insurance purposes. They only determine fault for traffic offenses,. One type of fault has absolutely nothing to do with the other. Besides, if you rear ended her, you are almost certainly at fault. The reason the other person stopped or how or why they stopped means nothing.

Posted by: Coast Cowboy Bill on 2010-07-29, 21:30:55

Sorry, pal -- it doesn't matter that she 'stopped short' -- it's ALL your fault. The police don't determine fault, the insurance adjusters do. You'll have to call them and make payment arrangements if you don't have $5K on hand.