Hey Y’all,
So I got brake checked recently, and I filed a claim with insurance. However after further investigation it seems that the damage to my car isn’t extensive however I am almost certain that insurance will total the car due to it being a very old car (‘94 miata) and ai would rather not total it. Should I cancel the claim, or is there anyway I can request for an adjuster NOT to come out as I don’t need any money from insurance?
TLDR: Don’t want insurance to total the car, will fix it myself and do not want insurance to come look at car as I don’t need their money.
Refusing coverage for an already filed claim?
byu/Bladerider112 inInsurance
Posted by Bladerider112
4 Comments
Who’s insurance are you filing through? Your own or theirs? If it’s yours, you can withdraw the claim, although it still may or may not be counted against you. If it’s theirs, you can always ask for a payout without doing the repair and see if they’ll cut you a check without totaling the car. If they try to do that, you can likely withdraw that claim too.
you got “break checked” which means, to us insurance professionals, you were following too closely. You didn’t explain the details of the accident, but if you rear ended the person, you are at fault and responsible for both your vehicle damages and theirs. If you swerved to avoid hitting the other person, and hit a wall or curb or something, you are responsible for the damage to your car and to any property you damaged. Don’t be an ass, don’t ride people’s asses.
When they make an offer, on a totaled car, you will have to agree with the offer. You can even make a counter offer, ask for more, or explain why they should pay to repair. They don’t have to accept, but you can try. Car dealers may even be able to help with this because they can argue ACV of a car better than you can.
If you don’t agree, they will not give you money, and give you back the car. They probably will not pay to repair the car though.
You should be able to stop a claim with your own insurance though. You will obviously still have to deal with the other person’s if they’re making a claim against you, which would still be going through your provider.
you can usually withdraw the claim. just call your insurer and say you don’t want to pursue it. once they inspect it, you lose more control.