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Could anyone help on this case for car accident with 3 party

A drove my car and got accident since her own fault. A is ok but the car is total lost in this case. After few days,A contacted and got the quote from her business insurance company. However, the quote from her insurance company is much lower than the fair market value. Also,A is not willing to help us get the fair price from her insurance since the more they pay the more insurance fee will go up next year.

My question is how to solve this issue, what option I have. Should I file a small claim to them or I can contact with her insurance company.

Please help. Thanks a lot!!
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Replies, comments and Discussions:

  • 枫下茶话 / 法律 / Could anyone help on this case for car accident with 3 party
    • Could anyone help on this case for car accident with 3 party
      A drove my car and got accident since her own fault. A is ok but the car is total lost in this case. After few days,A contacted and got the quote from her business insurance company. However, the quote from her insurance company is much lower than the fair market value. Also,A is not willing to help us get the fair price from her insurance since the more they pay the more insurance fee will go up next year.

      My question is how to solve this issue, what option I have. Should I file a small claim to them or I can contact with her insurance company.

      Please help. Thanks a lot!!
      • Do you have your own insurance? If so, why not claim yourself?
        • My insurance company can't do anything since I am not the driver.
          • The claim will be added to your claim history, this will impact your rate for 6 years. Unfortunately! And your insurer will pay you, it is called direct compensation.
    • 还是认真读一读你的保险条款,如果是在安省,保险是跟着车走的,没道理找你的朋友。