Originally Posted by
MM03MOK
If you switch, don't expect the new company to cover you for the accident because it happened when covered by your original company. My insurance company, AMICA, bills me quarterly, if I choose to take that option. Maybe yours will too, instead of paying a year in advance. Nothing says you have to keep your insurance at one company for a full year. I wouldn't change companies now until you have this accident behind you. Why complicate the process? With an outstanding claim, another insurance company may give you a different quote or make the transfer more difficult.
And fastblackmerc is right. If the other driver is at fault, it should be their insurance company that covers the accident, including the deductible. Make sure you read and understand your own policy too. Very important.
Follow Mary's suggestion not to switch while a claim is in process. It's unpredictable what the new insurance company charges even so the accident was not your fault. Most ins. companies have monthly payment charges without any extra penalties.
Try to settle the claim first, than decide if you switch at a lower rate.
It seems rather odd they would total your Marauder just because of the expense of a header panel, which costs +/- $420. Make sure you take your Marauder to at least three shops.
Also, Are you getting the use of a car while your car is out of service?
2003 MERCURY MARAUDER #5701
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