Subaru Forester Owners Forum - View Single Post - 2017 - rear ended, maybe no insurance :(
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post #10 of (permalink) Old 03-27-2019, 07:43 AM
straphanger322
Forum Member
 
Join Date: Jun 2017
Location: NYC
Posts: 474
Car Year: 2018
Car Model: Forester XT Touring
Transmission: HT-CVT
Quote:
Originally Posted by ForesterBill View Post
Something to consider...If you file a claim through your insurance company, a deductible may apply even though you were not at fault. Check with your insurance company on that. They may be willing to subrogate and recover your deductible. If you file a claim with the driver-at-fault insurance company, there will be no deductible.

Firetrux makes a real good point about diminished value, especially since your state (CT) is a diminished value state. You're entitled to it by law but may have to fight for it. Read up on it here:

https://www.cga.ct.gov/2007/rpt/2007-R-0011.htm
They usually recover your deductible if it was determined you were not at fault for the accident. That's what happened to me. I paid the deductible out of pocket but got a reimbursement check a few weeks later after the investigation was completed.

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