I got into an accident with another vehicle in the state of Florida. The other party called the cops and a report was filed, but the officer didn’t give any of us a ticket, just a driver information exchange. He said that he will let the judge decided who was at fault. I notified my insurance company about the accident as well.
I went today to the police station to get a better idea about the court date, and the officer said since there is no ticket there is no court date. So I guess none of us is at fault which is a good thing.
My deductible is $500 and I had another accident 2015 January which was my fault and was with another insurance company. Right now I am with progressive. Am I better off by fixing this damage out of pocket, or having my insurance company pay for it?