Quote:
Originally Posted by 3002 tii
Unfortunately my collision deductible is $1000 (that was what I had on my previous car I forgot to update it, ugh.). But even if cost of repair < deductible, would it really matter if I'm having my company go after the valet's insurance company?
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Technically, you are correct. Once subrogation rights have been established, you have relinqueshed all the work to your Insurance company.
However, for smaller incidents like these when people have a high deductible like yours, we usually recommend going through the other party's carrier, just in case the subro doesn't get anywhere, and the OTD repair costs are less than deductible. "Xoac" is correct that subro would recoup your up front deductible cost. In terms of total time spent dealing with this inconvenience, all Insurance companies will work harder to keep their insured happy, versus being a claimant going through someone else's Insurance, so your turn around time may be quicker using subro.
Also, a lot of Insurers have "preferred" repair facilities, with lifetime quality guarantees on their repairs. So going through your carrier may give you that option, should you choose it, for extra assurance.