What Gary is talking about by letting Hagerty handle the cliam is known in
insurance circles as subrogation. My wife handles high level workers
compensation insurance claims currently, but worked her way there through
several steps including as an auto claims analyst.
We (she) has NEVER handled one of our insurance claims personally. EVERY
claim we've had in 25 years of marriage has been handled though our insurance,
and subrogated by them on to the person at fault. In no case did it effect
our premium or standing/policy. Also in no case did the person at fault's
insurance company get away with baloney like legal lane changes being a
"contributing factor". If she wouldn't negotiate with an insurance company, I
can't imagine anyone would do themselves well by trying.
This is part of what you pay an insurance company for.
--Dave Waldorf
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