In this scenario (as it is nearly exactly the same one I dealt with a number of years ago), you definitely are not at fault, your insurer will handle the claim that will be 100% paid out by the other insurer.
Your rates will not rise.
Make the claim. Do not take any offer that doesn't make you whole.
It's infuriating the insurance industry constantly slants their messaging so that people like you will think twice on making a perfectly reasonable claim on a service that you paid for.
|