Old Jul 12, 17, 11:18 am
  #33  
radryan
 
Join Date: Jan 2014
Programs: AA, IHG PLM AMB
Posts: 25
On-topic: If the OP didn't want use what he already paid for AND pay extra for the benefit of his insurance company working with Marriott's company then they should have not filed the claim with his company until he did not receive satisfaction working with Marriott's company.

Best bet which doesn't happen often, cash settlement from Marriott with no claim or none of the OP's info included in the claim(Marriot files direct). Then OP can take the money to the body shop of OP's choice for repairs and claims process and its impacts to deal with.

Background:

Insurance companies can not exclude coverage if OP comes to them later and says "I tried to work it out with them and was not satisfied". Now if you don't know what you are doing or what you should receive for settlement and admit fault or sign something that reduces others liabilities during the process you could limit what your company can do.

As has been said before, Not at-fault claims can and do impact your rates(could be a couple of dollars to hundreds depending a large number of factors) and can be considered for underwriting action by insurance companies which could include non-renewal.

In any state where a "Insurance score" is a part of the calculation of your rates then that score considers all claims listed on your CLUE report. Interesting note from the"how to read the report" is that not all companies report the fault indicator. Regardless, each company can decide how to rate you based on the information in the report and what you tell them on your application so YMMV. Your next rate change could be based on your insurance score moving in the negative direction which in part could be based on claims you consider not your fault.

You can tell if you company uses the "insurance score" by looking at the fine print on your policy or bill(sometimes needs to be the printed copy since it is boiler plate language, possibility on the back of a page and not all companies put images of all parts of the bill online) . It will mention something about using your credit(another part of the "Insurance score" but not all states) and other reports in determining your rates.

If your state doesn't use the insurance score your insurance company most likely relies more heavily on the CLUE report. Which you can get changed if inaccurate and you can even add a statement too if you want. But the statement will not change the automated calculation of your rate, only your company or state regulator can change how your company chooses to rate for Not At-fault claims.
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