Mike
Radford,#2Consumer Suggestion
Thu, October 20, 2005
If you have collision coverage on your car, should it get damaged by crashing with ANYTHING, your insurance company has to pay for it (unless someone else caused it and they have insurance or otherwise are able to pay immediately). It doesn't matter if you did it or someone else did. Now if it can't be blamed on a definite other person your company will count it against you for a rate increase. But still they have to pay. Collision coverage means you're covered in case of collision. So basically with this "investigation", they're feeding you red herring. Even though they may refuse to believe your story of how the damage occurred, the indisputable fact remains that one way or another your car has collision damage.