gssmks said:dzneprincess said:Thanks Gail. That is exactly what is happening :-(gssmks said:Yep, this is pretty much how it works. I can tell you, if he is trying to say that he had green and you ran a red, his insurance will almost certain deny the claim. I
Again, I stress that every state is different, but I am going to bet that your friend is correct. Since the officer would not rule on fault, your insurance company is going to proceed as if you are telling the truth and his insurance company will proceed as if he is telling the truth. This means that they each will deny the other's claim. This will force you both to turn it in under your own insurance costing you the deductable. They will then litigate the matter between themselves and most likely each will end up reimbursing the other. This is only going to occur because you are dealing with a property damage only claim. If either of you were alleging personal injury. The insurance companies would treat this matter the same. It would result in lawsuits being filed by each of you and a jury would decide fault and award damages. But in a property damage only claim, it is cheaper for each of your insurance companies to go ahead and pay for the other's vehicle than it is to fight over it. Court costs and attorney fees to litigate will be more than they will pay out to fix the vehicle. It's not fair, but it cutting your losses and going on. It's done every day in the insurance industry.
Yeah Julie!skoi said:All of our paperwork went to China yesterday, so baring any catastrophes or world wars, we'll have our daughter with us in time for the cruise.
Julie
When do you exoect her, if everything goes as planned?
Too bad we won't be anywhere near it.
Got 1 room with DVC points, the last cat 9 special from smallworld, and another cat 11 room. 334 days and counting for 7 family members (6 castaway club members). I can't way for double trips to Castaway Cay. 

Welcome goofy girl and family! Good to see you!goofysgirl said:We will also be joining this cruise. It will be wierd to see CC on the first day. My youngest said she will be sad to be there, thinking that her cruise is over before it really begins![]()
Just wanted to move this to the first page. Have a great day everyone
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Missy,missyoh8 said:Bon Voyage!
This our official bon voyage to this thread. We could not take another western cruise so we booked for January 2007 this a.m. We were scheduled to do eastern last month, but hurricane Phillip had other plans for us! Which was fine, there are just so many other places to see!
Hope you all have a fabulous time!
Missy

goofysgirl said:We will also be joining this cruise. It will be wierd to see CC on the first day. My youngest said she will be sad to be there, thinking that her cruise is over before it really begins![]()
Just wanted to move this to the first page. Have a great day everyone
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- yes I did receive your picture. Unfortunately, I have kept dh pretty busy getting ready for this trip and he hasn't finished getting the "album" together. Promise it'll be up soon after we return 