I understand your frustration and confusion! Don’t worry, though; since you have collision coverage, you will still be covered
. You can also let your insurance company negotiate with the other company
instead of doing it yourself!
The reason that you got that letter is that D.C. is one of the few states that use pure contributory negligence
. This means that ordinarily, you would need to be zero percent at fault
to receive the payment. However, the good news is that this doesn’t matter when you have collision coverage on your own policy
—since you have collision coverage, you should be reimbursed!
Your company will work to prove that the other driver is 100% to blame
, not just 95%. If they win, the other insurance company will have to pay them in full
for your car from the other driver’s property damage coverage
However, if you feel that your current insurance provider has not done their best for you, it is time to shop for a new insurance company!
If you are looking for better service and a cheaper rate, Jerry
can help! Jerry shops with over 50 different insurance companies and delivers personalized quotes straight to your phone in seconds. If you have any questions, you can text an agent, and they will text right back with assistance!