A family member was in a no fault accident a few d...
# insurancer
refined-hamburger-26071
11/25/2025, 1:04 AMA family member was in a no fault accident a few days ago and my van was totaled. (Chasdei Hashem, everyone is more or less ok) I am hearing conflicting opinions on whether to make a claim through my insurance (and they will have to resimburse themselves by going after the other insurance) or if I should make a claim directly to the other insurance.
My questions are as follows:
1. Is there a bigger chance that my premiums will go up if I go directly through my insurance?
2. Should I expect the reimbursement process to take longer if I go through the other drivers insurance?
Also, should I be asking any other questions or can anyone offer any other advice?
TIA
m
mysterious-tomato-10057
11/25/2025, 2:02 AMDo not go through your insurance
1. Yes
2. No
I just Was in the same situation and had to spend many hours on this. Hire a personal injury lawyer that charges a percentage of the money they recover.
mysterious-tomato-10057
11/25/2025, 2:03 AMIf the car is totalled, there is a place in Lakewood that calls the insurance to fight them on their estimate to get your amount up and they also only charge a percentage of saved money.
mysterious-tomato-10057
11/25/2025, 2:04 AMTechnically the insurance isn't allowed to raise your cost if it's no fault, but I don't trust them one bit to actually not do it.
mysterious-tomato-10057
11/25/2025, 2:04 AMBh everyone is okay
mysterious-tomato-10057
11/25/2025, 2:04 AMThe personal injury lawyer will be familiar with all the local laws and assist you through the process.
c
crooked-dinner-47274
11/25/2025, 2:12 PM@mysterious-tomato-10057, I thought the lakewood guy only fights if you do claim with your own insurance? Did you find out otherwise?
m
mysterious-tomato-10057
11/25/2025, 2:12 PMHe does it also if it's the other guys. It's just less likely to be successful.
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r
refined-hamburger-26071
11/25/2025, 5:48 PMThank you @mysterious-tomato-10057 for the help!
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