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Rueyousay t1_jeext0t wrote

My understanding is that they use their insurance because it’s their fault. That way it doesn’t cost you anything and your rates don’t go up. If the damage is $2500 and they only pay $500 for a deductible and your insurance company pays $2000, your rate is going up and their insurance company got out of it for $500.

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rollergo11 t1_jefwfgt wrote

Yep. Plus, one of the things we pay insurance for is for SOMEONE ELSE to vouch for us. Always file with your own insurance, whether at fault or not.

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