Old Jul 12, 17, 7:44 am
  #32  
flyerCO
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Originally Posted by drphun View Post
You can report it to your insurance company, but tell them you don't want to pursue it through them at the present time because the hotel has accepted responsibility. The insurance company shouldn't hold that against you because they like that, and in any case it doesn't imply you are a worse risk - they are looking for predictive value. It is a lot like the situation with the uninsured motorist coverage - someone hits you, their insurance should cover it, but you report to your insurance just in case there is an issue and you have to use your uninsured motorist coverage.
OP insurance should still handle the claim. It's part of what they're paid for. However OP can refuse to have them pay out the claim and instead let the other insurance payout directly. Never deal with someone else's insurance directly. You are not their client. Their job is to save their client and theirself money. Your insurance is there to assist you, even if you don't let them payout on a claim.

It's the paying out of a claim that causes it to count against you. This assumes, claim can be held against you by law to begin with.
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