Last week my wife was out and about with the boys in our Honda Odyssey when she got rear-ended. Fortunately, it wasn’t a big deal, and the damage appears to have been largely cosmetic. Still, she went ahead and called our insurance agent, who advised that she call the police. She did, and when they showed up she and the other driver explained what happened (it was completely the other driver’s fault) and they wrote up the report.
We subsequently learned that we could proceed one of two ways: (1) We could go through our insurance (State Farm), pay the $500 deductible up front, and then get it back when we they get the money back from the other insurance company, or (2) we could contact the other driver’s insurance company (Grange), get the car fixed, and have them pay for it directly.
Long story short… My wife ended up contacting Grange directly late last week, and yesterday she took the car in for an estimate. As it turns, they’ll have to replace the bumper to the tune of a bit over $700. Stay tuned for further details.