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Mike Bryant
Mike Bryant
Attorney • (800) 770-7008

Collision: Both Cars Have the Same Insurance? Beware!

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If you are in a collision, it’s not always a benefit that both cars have the same insurance. Sure you have some advantages with dealing with your own friendly company, such as a wavier of your deductible. But, are those really great things?

Considering it’s the other cars fault, why should you have to pay a deductible? Didn’t you pay your premiums on time? Did they ever call and say what a great payer you are?

The area where we see the biggest problem is that the company seems to be really trying to protect greater payouts. A recent example is a person who contacted us because they were having a problem getting their property damage paid. There was a liability fight going on, with a case where it really was ridiculous. The other car was clearly at fault.

Guess what? It was the same company. So were they really concerned about the additional UIM coverage? Because this was a severe injury. Even that real nice adjuster is often thinking about the bottom line. Although, it really is the mean ones that get us more business.