Auto Insurance Claims: Total Loss Not at Fault, who pays and when?, total loss auto

Question
Ron,
I was a passenger in my car when an 18 yr old made an illegal U-turn, failed to stop at Stop sign and smashed the passenger side of my car.  I reported to my insurance and now they want to settle for ACV of my car.  Shouldn't the at fault driver's insurance pay out?  I have checked with her insurance and they opened an "investigation" into the accident. Do I take my insurances settlement or wait to see what happens with her insurance? My insurance is pushing me to settle with them.

Answer
"Work the claim" with both your insurer and the other drivers insurer and see who gives you the most money. Get your offers in writing and don't cash any checks they mail you until you are sure which one you want. Don't worry about the deductible, you will eventually get that back. If either or both insurers undervalue your claim or you don't know, get one of the eBooks at UClaim.com entitled Total Loss Auto for guidance. They are on sale with money back guarantee.