Use Your Own Insurer If Third Party Adjuster Seeks Reduction for Your
You can make a claim under your own insurance if you have collision
coverage, and your insurance company will pay the costs of repairs, less
your deductible. That is probably the smart way to go if the tortfeasor's
insurance company is arguing that you are substantially at fault in the
If you do not claim under your own insurance, or if collision coverage is
not available and if the other side is claiming that you are responsible
for a significant percentage of the accident (say 30 percent to 50
percent), you can expect that the adjuster will try to reduce the amount of
your property damage award by the percentage that he is alleging is your
fault. If are entitled to $6,000 and he says you are at fault one-third,
understand that he means he only owes you $4,000.
In this instance, it is best to use your own first party coverage and let
them subrogate against the third party carrier.
Continue for more information regarding Subrogation