The Insurance Company Screwing Starts...

[Jager]

thstone,
I believe your insurance company will cover your loss and then go after her insurance company if it was a repair. I'm not sure how it will be handled if they decide to total. I recommend getting a list of Boxsters for sale, same year, similar mileage, to get current values plus any upgrades you have prior to talking to your insurance company. Push the replacement value and negotiate hard.

[thom4782]

Jäger is right.

In the best case when everyone agrees the other party is at fault, the other party's insurance company may pay you directly for damages. This just happened to me when another person damaged my rear bumper cover.

In your case (and when the is any question over who should pay), your, company pays you first to cover your losses and then decides if it wants to go after the other party's insurance company to recoup what they paid you.

[Skrapmot]

Originally Posted by Jager

thstone,
I believe your insurance company will cover your loss and then go after her insurance company if it was a repair. I'm not sure how it will be handled if they decide to total. I recommend getting a list of Boxsters for sale, same year, similar mileage, to get current values .

That is correct. I have dealt with this issue twice in CA, and just ended up paying my own deductible from my own insurance, and seeking later reimbursement from the other party. Both times I had to go to court for the difference so keep pics , estimates, police reports, etc. I did get the money, eventually...one was a drunk driver and it she made me payments over 6 years! The other paid me immediately on the court day.
One thing i did discover is, don't expect your insurance company to help you much toward getting paid back. I had State Farm and then Geico, and neither seemed very concerned with helping me get reimbursed from the other party.
BTW, I heard a utility poll runs 10k + to replace, depending on what it's hooked up to.

[mountainman]

Situations like this are the reason I am insured with Hagarty. Each car has an agreed upon value and If it is damaged they fix it and if it is totaled they pay the agreed value and then deal with the other company themselves.

[thstone]

Originally Posted by Skrapmot

BTW, I heard a utility poll runs 10k + to replace, depending on what it's hooked up to.

Sounds about right - Southern California Edison had 4 trucks and at least 8 guys working from 9pm to 2am to replace the pole. That's got to be expensive.