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@lyn244 They are considering it but the insurance company owes the carriers who paid to repair the damage property first due to the subrogation rules. The car has been repaired to pre collision condition, the DV claim is secondary. If you want to go after the at fault driver, you have the...

@duke848 When the story started about a Subaru, I knew it would be a passionate plea, but this post was way more of a ride than I expected. OP experiences a loss, and the insurance company does a photo estimate to issue an initial check to start the claim. OP takes the vehicle to a shop they...

@lyn244 If the property damage coverage of the at fault party is only $25,000 and the vehicle repairs already exceeds 5 figures, they will likely not be any remaining coverage to pay DV. Edit: there isn't a way to have the carrier prioritize a DV claim above the property damage that hasn't...

@mylastelephant You should absolutely tell the lien holder, maybe there is a chance they placed force coverage insurance on the vehicle.

@mylastelephant How long ago did you purchase this vehicle? Prior to purchasing the vehicle that is now damaged, do you have an active policy for a another vehicle?

@candycane088 Most states limit the ability for carriers to charge points related to a traffic event for more than three years, though carriers can rate the driver and increase the premium for losses up to 7 years.