Originally Posted by mjh09e

Time for ISF rear bumper too?

Originally Posted by patrick323

So another person's insurance, who might not fully cover their own client's car in the event of responsibility, isnt fully responsible for any and all damages caused when they just run into someone? Even the "bad" insurance companies I've witnessed have covered body damage unless it's totaled but such a less desirable company would have a very high deductible making it possibly worth it to not claim. But I believe they are obligated by law to cover damage to another if the fault of their insured. Sure, that person might get dropped or penalized somehow but...they do their job from what I've ever seen. I believe that's kind of their primary function, no? Maybe I'm naive.

I suppose if not then that's when my insurance might kick in to help. I've been fully covered for 17 years with a more popular/reputable company with minimal claims. None until the last 3 years. It's usually an easy process. Once I just went in to my rep's office.. said I had a fender bender and needed a new bumper, I handed them a dealer estimate and they printed me a check right there in the office without even seeing the damage.

Given the lack of my fault/responsibility in this combined with ANY insurance companies responsibility/purpose and the backup of having good insurance myself, in case; I feel pretty secure. Knock on wood.