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Post by msbee on Feb 9, 2015 5:21:27 GMT
Week before last dd rear ended someone as she was merging (3rd care was really the cause of accident). DD owned it. Guy she hit said he didn't want to call the police. DD was very shaken up and had never hit anyone. She couldn't think what she was supposed to do.
Guy said he didn't want to call insurance. DD had him get an appraisal. 1st appraisal came in at 1600+. DD said file with insurance. He said he didn't want to. He took it for another estimate. Dd had him take it to a local shop. The second and third estimates came in at 800 & 900. DD said call insurance. He said I don't want to. At that point DD told him she didn't have the money to pay for anything but the tail light. He said okay.
She was driving my car. All of the conversations after the conversation at the time of accident has been by text so there would be a written record. We want him to sign something acknowledging he declined to call insurance and that having his taillight will satisfy any repairs needed for his car (actually he was driving his dad's car).
Any idea of what all needs to be covered in his signed receipt of the repair of his taillight. I think he and his dad both need to sign off on this.
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Post by smokeynspike on Feb 9, 2015 5:32:22 GMT
I'm not sure of what legally would need to be included, but it might be a good idea to get it notarized too.
Melissa
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Deleted
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Apr 26, 2024 11:40:46 GMT
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Post by Deleted on Feb 9, 2015 5:41:16 GMT
Accident was over $500. She needs to report it.
Before this guy comes to demand more money.
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Post by manda on Feb 9, 2015 8:36:27 GMT
whoops, duplicate post.
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Post by manda on Feb 9, 2015 8:39:14 GMT
You're not going to like my response probably but it's what you need to hear. Your DD needs to report this to her insurance RIGHT NOW. They are the first line of defense from you (or your DD since I don't know her age, whose car it is, or whose insurance it is) being sued. That's the thing people forget. When you cause an accident, you open yourself to being sued for the damages... and more.. Who knows why this guys doesn't want to report to insurance. Possibly because he doesn't have insurance. Who knows and who cares. Your daughter is at fault and likely liable for the liability. Doesn't look good that she didn't report the accident. You need to teach her to report every accident. This is what insurance is for. You need to protect yourself better than this. Or hire an attorney RIGHT NOW. I was rear ended in November and it appeared to be a fender bender.... No seriously, I was able to drive away with what appeared to be minor damage to my brand new car. Turns out, the person who rear ended me caused frame damage to my car and I'm still suffering the physical effects three months later. While my car was repaired, it did lose value and nobody wants to buy it with frame damage (I have tried to trade it in since the accident and dealers won't take it). While I felt okay on the day of the accident, I haven't been able to partake in my daily regular activities like running and having sex since then. So far, I'm in for $8,000 out of pocket (this DOES NOT include the $6k in repairs) without taking into account "pain and suffering" and the value depreciation of my vehicle. I'm approaching time to file those claims (physical therapy has accomplished all it probably will) and they probably total another $10-15k. That's a total of $18,0000 - 23,000 so far. For what appeared to be a simple fender bender (though his car was so damaged he had to be towed away). If the person's insurance won't pay for my car's depreciated value, I can sue him directly. Even though we all know his insurance will likely step in then. His insurance protects him if I choose to sue him. I think it's time for you to call your insurance company RIGHT NOW. That's what they're there for. To protect you. Even from being sued. If your daughter is on your insurance for your car, you're liable to be sued and need to protect yourself. NOW. |
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Kerri W
Pearl Clutcher
Posts: 3,768 
Location: Kentucky
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Post by Kerri W on Feb 9, 2015 9:04:28 GMT
At that point DD told him she didn't have the money to pay for anything but the tail light. He said okay. Please, please listen to Manda and turn this in to YOUR insurance. I get that your DD tried to get him to use his insurance but your DD was at fault, IMO she doesn't get to say "sorry I don't have enough money." She's responsible. Do the right thing and teach her to take responsibility. |
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gsquaredmom
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Posts: 4,078
Jun 26, 2014 17:43:22 GMT
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Post by gsquaredmom on Feb 9, 2015 10:31:50 GMT
She needs to file a police report and call her insurance company
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Post by christine58 on Feb 9, 2015 11:00:17 GMT
She needs to file a police report and call her insurance company Yup...don't any of you watch Judge Judy?? She should have called the police even though he didn't want to. Better safe than sorry. |
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lindas
Pearl Clutcher
Posts: 4,146
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Post by lindas on Feb 9, 2015 11:59:04 GMT
If you have an accident of any type when someone is in the other vehicle never, never , never try to settle it yourself. Most states give the victim up to 3 years to file a personal injury claim. Anyone who has been rear ended, no matter how minor, will tell you they didn't feel the effects until days later. If this guy decides he's injured 6 months from now and you've paid to repair his vehicle your insurance co can deny a claim for injuries then you're personally on the hook. As a former insurance agent I have seen this happen.
Please call your insurance co now and let them deal with this, that is what you pay for. Since she hit him he doesn't get to decide whether to call the insurance co or not.
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Post by elaine on Feb 9, 2015 12:04:22 GMT
She needs to report it to her insurance. Why does she keep telling him to report it to his insurance? His insurance isn't going to pay for it, hers is. The only thing his insurance company is going to do is harangue her insurance company until they cough up the money.
It is against the law in every state I've lived in to not report car accidents of $500 or over to the police. So, she not only needs to contact HER insuance company - that should have been her first call - but also the police.
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IAmUnoriginal
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Jun 25, 2014 23:27:45 GMT
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Post by IAmUnoriginal on Feb 9, 2015 12:45:13 GMT
If the son was driving his dad's car, meaning titled in Dad's name, his signature on such a letter probably won't mean much. It's not his property to make that decision about. It's his Dad's, who could still come after you and your insurance for repairs. There are so many scams out there with people who intentionally cut off other drivers to get insurance money or offer to take cash instead. Let the pros handle it. It's your best protection for the long term.
Amanda is right. Open a claim with your insurance company. Explain the whole story like you did here and let them deal with the guy. He can either let insurance repair it or not. Those are his choices. Also, call the PD in the town where DD had the accident. Here, you can file the police report after the accident. Your claims adjuster is likely going to ask for one. The police may be interested to know how much this guy wants to avoid the insurance claim.
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Post by maryland on Feb 9, 2015 13:06:23 GMT
You said the 3rd car was really the cause of accident. Did that car leave the scene? Were there any witnesses that could help your daughter out by saying she was not at fault? So frustrating when someone else causes the accident and the wrong person is blamed. I would report it too! Why is he worried about her reporting it? If she was accepting fault, why is it a problem for him?
I admit I am no expert on this type of thing! Just some thoughts.
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Post by msbee on Feb 9, 2015 13:16:32 GMT
Thanks everyone.
The third car was, IIRC, going to fast, my daughter was trying to merge to her right, had to take evasive measures to avoid the third car and ended up hitting the back pasenger corner which broke the tailight.
I had no idea on the 3yrs.
As far as damage, she didn't think too much of the amount of damage.
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Post by elaine on Feb 9, 2015 13:29:26 GMT
You should be on the phone with your insurance company and the police now. Trying to save money will only cost you in the long run and you also want to teach your daughter how to responsibly deal with car accidents.
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Post by mikklynn on Feb 9, 2015 13:32:53 GMT
No way I'd pay without going through my insurance.
It sounds like he may not be insured.
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Kerri W
Pearl Clutcher
Posts: 3,768
Location: Kentucky
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Post by Kerri W on Feb 9, 2015 13:42:14 GMT
It sounds like he may not be insured. Whether the other driver is insured is none of the OPs DDs business. She needs to turn this in to her insurance company. The he guy may have ten reasons he doesnt want to get his insurance involved. It sounds like the OP didn't want to get hers involved either and HE wasn't at fault. |
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luckyexwife
Pearl Clutcher
Posts: 3,067
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Post by luckyexwife on Feb 9, 2015 13:52:36 GMT
I would go into the police station now, explain exactly what happened, then be on the phone to my insurance company ASAP. Your daughter needs to handle this, but please help her if she needs it. Good luck.
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Post by krc11 on Feb 9, 2015 14:05:25 GMT
Were photos of the damage taken? So, right now, you just have your DDs opinion on it didnt' look like much damage, but no proof on even what the damage looked like. I can tell you from being hit in past six months twice, that the first time minor damage to my fender, repair was $1000. Second time, minor damage to other fender, included unseen damage to head light, which means the whole headlight assembly had to be replaced, $2500 damage. Even minor car repairs aren't cheap. And your DD doesn't get to tell the other driver, she will only replace his tail light. Call your insurance agent.
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Post by eebud on Feb 9, 2015 14:05:54 GMT
I agree with the others...........call your insurance company. Your insurance company might handle the police report for you. I know that some do so I would start with them.
While I certainly don't know exactly what happened in the wreck, saying it is the fault of the 3rd car because they were going to fast when your DD was trying to merge probably wouldn't fly. Your DD needs to see that there is not only an opening for her to merge but check the speed of the cars in the lane before merging into it.
I'm glad to hear that the accident wasn't more serious. In my state, last I knew, someone had 2 years to sue. That could have changed though. I haven't kept up with it.
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amandatx
Shy Member
Posts: 45
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Post by amandatx on Feb 9, 2015 15:40:00 GMT
I would call your insurance company first and file a claim. A few years ago I was in a minor fender bender, very minor no damage on the cars (I was the one hit from behind) basically we were at a red light and the guy thought the light turned green and tapped me, again it was so light and no damage. 3 months later my "friend" that was in the car with me called my insurance company and filed a claim stating she had whiplash and back sprain. I was furious. Luckily I had exchanged business cards with the guy that hit me and they were able to call him get statements from both of us and her claim was denied. Protect yourself, the last thing you want is a lawsuit.
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Post by myshelly on Feb 9, 2015 15:44:53 GMT
I don't think there is a way you can word it that will protect you completely.
If the other driver is not the car owner (or if he is underage) him signing any document won't mean much.
Call your insurance company before this gets any worse.
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Deleted
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Apr 26, 2024 11:40:46 GMT
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Post by Deleted on Feb 9, 2015 16:16:02 GMT
I have btdt.
I pulled out part way into an intersection and stop, something the every did at this inspection. A girl driving a small truck swerved purposely to hit me. She was driving a company truck.
1. She asked for $500 to cover damages and not to report it.
2. I blubbered all over my father. And told him about her asking for money
3. She called demanding more money or she would have me arrested for leaving the scene of an accident
4. My father knew her boss.
5. Conniving little b.... Had dented the truck and needed to fix it before boss found out.
Moral report an accident so it doesn't go bad to threats of jail.
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luckyexwife
Pearl Clutcher
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Post by luckyexwife on Feb 10, 2015 2:21:05 GMT
Have you spoken with your DD???
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johnnysmom
Drama Llama
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Jun 25, 2014 21:16:33 GMT
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Post by johnnysmom on Feb 10, 2015 2:38:44 GMT
I agree with everyone else.....call your insurance company. Many many years ago dh was involved in a very minor fender bender, his fault. The guy was a jerk from the get go, but he wanted us to just pay him for the damage and not report it to the insurance. Our truck had no damage. We considered it briefly but ultimately decided something didn't feel right and decided to call our insurance. Dh explained the whole thing to them, gave them the guys contact info and they took it from there. They said calling thrm was the right move as there is potential for scams in this type of situation and the best thing to do is report it.
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luckyexwife
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Post by luckyexwife on Mar 19, 2015 23:27:15 GMT
msbee is there an update? Did your DD write a letter?
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