SL/R231: A doctor backed into my SL over the weekend.
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From: Hagerstown MD
2015 SL400; 2019 X5M40i
i was required to provide a detailed description of the damage. I used a body shop recommended by USAA that I had used in the past. It is a small family owned shop.
Last edited by rmorin49; Sep 9, 2023 at 11:51 AM.
Joined: Nov 2016
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From: Maryland
2015 SL400 (M276 Turbo), 2014 C350 Sport (M276 NA), 2004 SL500 (M113), 2004 Audi TT225 (BEA)
I successfully filed a DV claim when my 2 week old Audi A4 was sideswiped. I filed against the other driver's insurance company, USAA. At the time I also had USAA insurance. I also live in MD.
i was required to provide a detailed description of the damage. I used a body shop recommended by USAA that I had used in the past. It is a small family owned shop.
i was required to provide a detailed description of the damage. I used a body shop recommended by USAA that I had used in the past. It is a small family owned shop.
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From: Corona Del Mar, CA
2019 SL450, 2019 E450 Luxury Trim Wagon, 2024 BMW I7 xDrive60
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From: Hagerstown MD
2015 SL400; 2019 X5M40i
I traded the A4 for an A6 immediately after receiving the check for the DV. The dealer immediately could see it had been repaired by looking in the trunk but said it would not prevent them from certifying and selling the car as a CPO. It was only about 2 months old and had less than 2K miles. As you can imagine I took a bath on the trade deal but we were disappointed in the A4 and very happy we traded for an A6. I'm too old to fret about things like this.
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From: In the minds of others rent free.
SL 400
As of this morning my insurance is still waiting for the next update from the other guys insurance companies. They are still trying to figure out who/which insurance companiy is responsible for the cost to repair my car.
Stay tuned...
Stay tuned...
Last edited by ThatsMyDawg; Sep 14, 2023 at 04:18 PM.
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From: Hagerstown MD
2015 SL400; 2019 X5M40i
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From: In the minds of others rent free.
SL 400
USAA -and his Employer. (Can’t remember the name, but my insurance guy knows it)
His employer rented the car for him that hit mine. The debate (between them not us) is if his work insurance is paying for my damages, or USAA(his personal insurance) is paying.
That is all I know for now.
His employer rented the car for him that hit mine. The debate (between them not us) is if his work insurance is paying for my damages, or USAA(his personal insurance) is paying.
That is all I know for now.
Last edited by ThatsMyDawg; Sep 14, 2023 at 09:07 PM.
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From: Hagerstown MD
2015 SL400; 2019 X5M40i
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From: Maryland
2015 SL400 (M276 Turbo), 2014 C350 Sport (M276 NA), 2004 SL500 (M113), 2004 Audi TT225 (BEA)
My daughter had Esurance until she needed to use it. They gave her so much crap, she dropped them and went with USAA (since I was military) even though they were a little more expensive. But they end of year rebate made up for the higher monthly bill.
Last edited by JettaRed; Sep 16, 2023 at 07:20 PM.
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From: In the minds of others rent free.
SL 400
I'm not using my own insurance and then letting them go after the other guy. I did that on the last accident. It is NOT guaranteed that they recover your deductible (they did recover the last one) and there is a possibility of them raising your rates by doing it that way. I will just let this play out for now.
Honestly, it’s starting to sound like BS to me. Your insurance should pay for your repairs and recover from the other guy. Additionally, they should get your deductible recovered, as well.
My daughter had Esurance until she needed to use it. They gave her so much crap, she dropped them and went with USAA (since I was military) even though they were a little more expensive. But they end of year rebate made up for the higher monthly bill.
My daughter had Esurance until she needed to use it. They gave her so much crap, she dropped them and went with USAA (since I was military) even though they were a little more expensive. But they end of year rebate made up for the higher monthly bill.
Joined: Nov 2016
Posts: 7,847
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From: Maryland
2015 SL400 (M276 Turbo), 2014 C350 Sport (M276 NA), 2004 SL500 (M113), 2004 Audi TT225 (BEA)
I'm not using my own insurance and then letting them go after the other guy. I did that on the last accident. It is NOT guaranteed that they recover your deductible (they did recover the last one) and there is a possibility of them raising your rates by doing it that way. I will just let this play out for now.
I don't know what your deductible is, but I keep mine low because the difference in premium is negligible. I carry $250 deductible for collision. Increasing it to $500 saves me $6 per month, and to $1000 would save me $15 per month (or 50 cents per day). So, if for some reason I can't recover my deductible, it may be wrong but it won't break the bank. On the other hand, paying $1000 for someone else's fault would make me sad (and **** me off).
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From: In the minds of others rent free.
SL 400
My deductible is $500. It took them (my insurance) a bit to recover it last time. The thought of me possibly giving away $500 doesn’t sit well with me.
I agree they should not raise my rates, but those companies are strange and I feel they do what they want.
I’m gonna hold out for a while.
I agree they should not raise my rates, but those companies are strange and I feel they do what they want.
I’m gonna hold out for a while.
I understand. And each insurance company is different. But because this was totally not your fault, your insurance company has no reason to, nor should they, raise YOUR rates.
I don't know what your deductible is, but I keep mine low because the difference in premium is negligible. I carry $250 deductible for collision. Increasing it to $500 saves me $6 per month, and to $1000 would save me $15 per month (or 50 cents per day). So, if for some reason I can't recover my deductible, it may be wrong but it won't break the bank. On the other hand, paying $1000 for someone else's fault would make me sad (and **** me off).
I don't know what your deductible is, but I keep mine low because the difference in premium is negligible. I carry $250 deductible for collision. Increasing it to $500 saves me $6 per month, and to $1000 would save me $15 per month (or 50 cents per day). So, if for some reason I can't recover my deductible, it may be wrong but it won't break the bank. On the other hand, paying $1000 for someone else's fault would make me sad (and **** me off).
Last edited by ThatsMyDawg; Sep 25, 2023 at 09:22 AM.
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From: NorCal
2015 ML350+2025 E350
Update-
Seems the guy actually does have honor after all. He admitted hitting my car to his insurance. His personal insurance left me a voice mail today basically saying he admitted to being at fault, so there is no issue there at all they said. They are just trying to figure out who is paying for my car and a rental. I called them back and they repeated the same.
The rental car was provided by his work, so they (the insurances companies) are trying to figure out should the work insurance policy cover my damages, or should his personal policy cover them. I don't care as long as one of them is paying. His personal insurance is who called me. The guy who hit me texted me trying to pay me directly, but that changed soon as I told him the cost and that I needed a rental. He continues to apologize and just wants this to be resolved.
Just a waiting game now, but glad it just comes down to who is paying and not he said she said.
Seems the guy actually does have honor after all. He admitted hitting my car to his insurance. His personal insurance left me a voice mail today basically saying he admitted to being at fault, so there is no issue there at all they said. They are just trying to figure out who is paying for my car and a rental. I called them back and they repeated the same.
The rental car was provided by his work, so they (the insurances companies) are trying to figure out should the work insurance policy cover my damages, or should his personal policy cover them. I don't care as long as one of them is paying. His personal insurance is who called me. The guy who hit me texted me trying to pay me directly, but that changed soon as I told him the cost and that I needed a rental. He continues to apologize and just wants this to be resolved.
Just a waiting game now, but glad it just comes down to who is paying and not he said she said.
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From: In the minds of others rent free.
SL 400
I get your point, however we have video of the accident now. If he somehow backtracks and lies it will go very bad for him.
No disrespect, but you don't know if it will come down to "he said, she said". Hold that thought until you see the settlement offer. It's why the normal process is to collect from your insurance (JettaRed), assuming you and they agree on the repair and other costs, and then let your carrier argue (subrogate) with either or both the others. To put your mind at ease, ask your carrier if your rates will change since you were not responsible.
Joined: Nov 2016
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From: Maryland
2015 SL400 (M276 Turbo), 2014 C350 Sport (M276 NA), 2004 SL500 (M113), 2004 Audi TT225 (BEA)
I’ve been with USAA since 1978, so if my math is right, so were you. I’ve thought about switching from time to time and found (1) I have never had a problem getting any claim resolved to my satisfaction, and (2) the annual member distribution (call it a rebate) made up for any price difference compared to another insurance carrier.
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Joined: Dec 2015
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From: Hagerstown MD
2015 SL400; 2019 X5M40i
I’ve been with USAA since 1978, so if my math is right, so were you. I’ve thought about switching from time to time and found (1) I have never had a problem getting any claim resolved to my satisfaction, and (2) the annual member distribution (call it a rebate) made up for any price difference compared to another insurance carrier.
Joined: Nov 2016
Posts: 7,847
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From: Maryland
2015 SL400 (M276 Turbo), 2014 C350 Sport (M276 NA), 2004 SL500 (M113), 2004 Audi TT225 (BEA)
How have your claims been with Erie?
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From: Hagerstown MD
2015 SL400; 2019 X5M40i
Sorry, had to! Hope you get it fixed as good as new.
Joined: Nov 2016
Posts: 7,847
Likes: 3,496
From: Maryland
2015 SL400 (M276 Turbo), 2014 C350 Sport (M276 NA), 2004 SL500 (M113), 2004 Audi TT225 (BEA)
MBWorld Fanatic!
Joined: Dec 2015
Posts: 1,634
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From: Hagerstown MD
2015 SL400; 2019 X5M40i
What's the latest on getting your car repaired? Let us know who you end up using for the repair. I can recommend a great local shop that I have used several times. They resprayed my front fascia and matched the diamond white paint perfectly.
