The Golden Rule of Auto Damage
Table of Contents
Auto insurance is ALWAYS primary. Always. No exceptions. That means:
- Their auto policy pays first
- Their policy covers the damage
- Their insurance takes responsibility
Why You Never File First
Filing on your policy is a rookie mistake that costs you:
- Premium increases up to 20%
- Claims history dings
- Unnecessary deductibles
- Future rate hikes
- Endless paperwork
“But What If…”
“They’re being difficult?”
- Still their problem
- Document everything
- Get police reports
- Take photos
- Stay firm
“It’s taking too long?”
- Patience saves money
- Their insurance must respond
- Time beats premium hikes
- Document all delays
- Keep pushing their carrier
Prevention Pays
Smart venues use:
- Sturdy bollards
- Strategic parking curbs
- Clear signage
- Good lighting
- Marked pathways
Bottom Line
Let their auto insurance do its job. That’s literally why it exists. Your policy is your last resort, not your first move.
Need help handling an auto incident? Let’s talk before you file that claim.
