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Gordon Said:

i was on my way to work yesterday, clearly passed the intersection and was hit by a truck making a left turn.?

We Answered:

Most insurance companies depending on you have will subrogate against the other parties insurance if they make any type of pay out to have your car fixed. This may include your ded, and then again it may not.. Its not always a guarantee they will be able to get the money back, or how long it will take... Now if you have rental coverage on your policy then you would be able to use that, if you dont and you file with your insurance. I would recommend finding a body shop that gives free loaner veh's.. If you file with the other parties insurance they are not going to authorzie a rental until they find there insd liable... If you dont have it on your own insurance policy then you insurance company will not auth one, they may tell you to just wait and file with other party... Also as far as coverage for time off work, again if you have it on your insurance policy, and depending on what state you live in you may be able to use it with your insurance. The other company will not cover anything until they find there insd liable, they may just tell you to keep all related receipts for adj to review.. I would recommend in this case if you have comp, and coll to file with you own company, and let them hammer out the details with other company....