# new from schenectady

**URL:** <https://forums.speedlife.net/t/new-from-schenectady/256525>\
**Category:** Shift518 Off Topic\
**Created:** [January 19, 2011, 11:29pm UTC](https://forums.speedlife.net/t/new-from-schenectady/256525 "2011-01-19T23:29:11Z")\
**Posts on this page:** 1\
**Showing post:** 42

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**Author:** ![jdaniels](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/jdaniels/32/6399_2.png) [@jdaniels](https://forums.speedlife.net/u/jdaniels)\
**Post date:** [January 20, 2011, 8:44am UTC](https://forums.speedlife.net/t/new-from-schenectady/256525/42 "2011-01-20T08:44:10Z")

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> [@Introducing The Onyx Syndicate](https://forums.speedlife.net/t/introducing-the-onyx-syndicate/38839/54):
>
> actually no. Your vehicle is insured for its stock value… unless otherwise specified. And its not the other guys insurance that pays. Its your insurance that pays. then your insurance co takes the other insurance company on and attempts to seek repayment if fault is determined to be theirs. And its not yep they did it here is all the money back, its usually a settlement and both parties have some “money” invested in the repairs all said and done. Family friend is a claims agent for Allstate.

Not true. All accidents I have ever been part of have been the other parties fault. Each time it was handled directly and entirely by the other persons insurance company. I have had this happen several times and they are 100% liable for all damages up to the policy max. This is complete horseshit and they are trying to take advantage.

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