I drive a 2009 Camry and was rammed from behind by a SUV last evening.
Had to brake hard in order not to hit the car in front of me that sharply braked and turned right without signalling at a unmonitored intersection.
My airbags did not deploy but my glasses came off and got damaged. The oscilloscope and other instruments I carry in my trunk were trashed too. (I will pay for these myself because SUV owner was a perfect lady)
The SUV owner was a perfect lady and she owned up her mistake in front of a cop who arrived at the incident.
Her's was a beautiful pink Cadillac SUV, and was very well built to suffer no damage (as inspected by the cop).
However, I don't know why but the cop refused to give me a report number to use in my filing.
Anyways, my "current Century" insurance company told me I would have to pay a $1.5k deductible and my premiums would go up by $150/mo (I pay around $250/mo as I arrived in the U.S. recently and have no substantial driving or credit record).
Furthermore, they want me to visit any of 5 locations they emailed me for an inspection and appraisal of damages.
The state the car is in, the rear bumper and brake lights are all smashed out (but lights work) and I am sure they will deterioate completely enroute!
I did share this information with them, but they asked me if the wheels were obstructed, and since they are not, I am out of luck.
My questions are these:
Is it normal to pay such a high deductible when you are not at fault (when shopping around initially, my insurance agent had assured me that this plan was expensive because of the low deductible it had).
Which section should I read in my insurance contract to find out and understand this?
Why would my premiums go up even if I was at no fault?
This was a residential area and cars often trail less than 2 car distances from what I have seen
Why do I need to visit a location of their choosing for inspection and appraisal of damages?
I intend to get it repaired from Toyota, the company that designed this car, and the price they quote for repairs should be the correct price, not some 3rd party!
If I use a rental car in the meantime (until the insurance companies decide what to do), is there a chance I could claim a part/whole of the expenses as incidental to the damage?
I would also be open to any related advice or information that can help me now or in the future in case of similar situations.