some years ago my son was diving my car ..He parked it outside a pizza place at the lower end of the parking lot.A police car drove in and spotted a teen driver smoking a joint ,went over to his truck and dragged him out letting the truck roll down the hill and into my parked car ….no driver ..He had Liberty Mutual Insurance,they told me they would not pay as they were investigating ..I was scheduled to go on vacation in a week and I needed the car ,it wasent badly damaged ,about 300 to front fender and what appeared to be wheel damage.Liberty refused to pay,I called my agent ,I said you insure me and I need a car for vacation ,they said rent one, your covered under your policy so I did….meantine I took the car to a dealer to fix the fender and said I wanted a wheel alignment because my son said it was pushed out at a angel.
Liberty told the dealer they wernent going to pay for a wheel alignment.,,and the dealer said he wouldent do it ! So I went back to the dealer and said give me the Fucking keys ,Im taking the car somewhere else .and I did….in the end My insurance company fixed my car and did a wheel alignment .I was happy .Then the Boy told the Liberty Mutual insurance he would pay himself so as to avoid a rate increase.what then happened was my insurance company collected from him the $300 or so damage ,also the Rental for three weeks which came to $850.00 …ALL that because Liberty wouldent pay for a $15.00 wheel alignment at that time….in the beginning… Dont deal with others insurance ,deal with your own ,they will collect from them if your not at fault ! Let them work for you !