Since you admitted to prior damage,which wasn’t smart, the insurance company is well within their rights to subtract for the cost of that damage. If I understand your painfully worded question, you have no choice on whether or not to accept the insurance company’s offer…it’s take it or leave it. They should pay reasonable towing if you give them a copy of the bill.
Good job admitting to the old damage – seriously! Adjusters find this stuff out and had you done this without telling them, you’re bordering on Insurance Fraud there. Happens all the time, yes, but it’s a felony you don’t want to play with.
You do have some rights here though. Demand that the insurance company present you with some proof that the massive damage -wasn’t- done by this new accident. If they can’t tell you that it’s not, threaten them with a lawyer. Most companies will do anything to avoid a costly lawsuit. If that doesn’t work, then go get one.
As for the tow, yes, they are obligated to pay that expense. Send them the receipt and tell them that they need to pay it.
I can only give you an answer for the U.S. — if your vehicle has existing damages and it is involved in another crash all the old damage is declared ‘existing, related prior damage’ and will NOT be paid by any insurance carrier. After all, what is the value of a damaged bumper? You may be entitled to a portion of a ‘reasonable’ towing fee, inspection and additional damages.
what is wrong with you! why would u even mention about old damage!! this was your chance to get it fixed without having to pay for it yourself!!
Since you admitted to prior damage,which wasn’t smart, the insurance company is well within their rights to subtract for the cost of that damage. If I understand your painfully worded question, you have no choice on whether or not to accept the insurance company’s offer…it’s take it or leave it. They should pay reasonable towing if you give them a copy of the bill.
Good job admitting to the old damage – seriously! Adjusters find this stuff out and had you done this without telling them, you’re bordering on Insurance Fraud there. Happens all the time, yes, but it’s a felony you don’t want to play with.
You do have some rights here though. Demand that the insurance company present you with some proof that the massive damage -wasn’t- done by this new accident. If they can’t tell you that it’s not, threaten them with a lawyer. Most companies will do anything to avoid a costly lawsuit. If that doesn’t work, then go get one.
As for the tow, yes, they are obligated to pay that expense. Send them the receipt and tell them that they need to pay it.
I can only give you an answer for the U.S. — if your vehicle has existing damages and it is involved in another crash all the old damage is declared ‘existing, related prior damage’ and will NOT be paid by any insurance carrier. After all, what is the value of a damaged bumper? You may be entitled to a portion of a ‘reasonable’ towing fee, inspection and additional damages.