I was involved in a car accident with a state-owned vehicle, a trash truck to be specific. This accident was not the result of any negligence on my part, nor am I responsible in any way. Unfortunately, my deductible with my insurance company (State Farm) is so high ($500), that I do not want to pay it for them to make the repairs. This would likely cause an insurance increase, and that is something I can not afford when paying $200 a month for full coverage.

So, the specifics regarding my question. I am now pursuing the city for compensation of all repairs to the vehicle. I will begin labeling the questionable responses that I have received from people of both the city and my insurance company with a number. 1) State Farm can make no repairs, or the City of Oklahoma City will not pay out on any damages.
2) If I decide to pay my deductible, State Farm will repair and I will be on my way, but that $500 is gone unless I take the City of Oklahoma City to small claims court for that amount (and nothing more).

I know for a fact that it can take up to 90 days for the City of Oklahoma City to investigate this claim and decide whether or not to payout, anyone with experience know if it typically does take longer than a month? I have received two quotes, my claim form (an officer was on the scene), and a copy of the title to my vehicle. I will be sending these in either tomorrow or the next day to begin the whole process with Oklahoma City's Legal Department. Primary questions:

Again, any experience with this, and if so just how long did it take? I've got to get to work and don't feel like giving in when this was not my fault.

The officer did not establish fault, as no traffic tickets were given. The claim form this officer filled out stated that this trash truck had inattention, and that I did nothing to contribute to this.

If you can provide any advice on this, it would be GREATLY appreciated. I'm car pooling because I don't feel like burdening myself with the money to repair when this was not my fault. I think the very fact that they can take three months to accept/deny the claim is RIDICULOUS. But enough rant, go sooners, texas sucks, and good day.

Ryan, every situation is different, but I believe the second assumption is incorrect. If you get State Farm involved, and if they could establish negligence on the part of the city, they would pursue the city for the money that they pay for your repairs. They would also pursue the city for your deductible.

Also, talk with your agent- most insurance companies have thresholds and if your claim is under the threshold your rates wouldn't go up... most insurance companies also take into account whether you were at fault or not.