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car insurance companies agreeing?

When 2 car insurance companies dont agree on liability (mine put me NOT at fault, the other guys insurance put me 100% at fault), do they have to settle it or can they just leave it at that? My company has already waived my deductible and fixed my car before the other guys insurance put me at fault. Also, since my insurance alreayd put me not at fault by waiving my deductible, can they ever change their minds if they decide to settle with the other guys insurance?

Public Comments

1. Your insurance will do what is needed to get their money back from the at fault company, and you have been compensated and are out of the loop.
2. If your company waived your deductible, they will not come back at a later time and tell you to pay it. your company will negotiate the liablity with the other company. Since you didnt say what happened in the accident, i can't give any input on who is at fault. If worse comes to worse, the companies may make a business decision and settle at 50/50
3. Your insurance company has paid you for 100% of your damages. Once they did that, they referred the claim to their subrogation unit for recovery. The other insurance company claims you were 100% at fault. The claims rep handling the subrogation, will continue to negotiate with the other company to reduced the amount of liability assessed against you. If they cannot resolve the liability issue, they will likely file what is callled Inter-Company Arbitration. A panel of arbitrators will review both sides of the case and determine liability. If your insurance company , or the other insurance company is not a member of Inter-Company arbitration, then suit will be filed and a judge will decide. You are all set. If for some reason, the other company files suit against you, refer the complaint over to your insurance company. They will defend you.