Got into an accident yesterday. (Not suckage: no one hurt)
Got rear ended at an intersection. Car behind didn't stop and pushe me into a car in front of me.
It was just a result of traffic, nothing malicious. Suckage is all the B.S. I now have to go through as a result. My car wasn't messed up too bad. But now I need to take time to get estimates and deal with all the insurance crap. It wasn't my fault but my rates will probly go up as a result.
Just a BIG Pain in the Ass.
I was in a similar 4-car accident a few months back. There wasn't any increase in my auto insurance (I'm with Nationwide).
As for estimates... just take it to a local dealer with a body shop. They should give you the highest estimates...
that happened to me on the freeway last year and my insurance was not affected either. i am with AAA, i dont know if the rules for them vary state to state.