MommyofTWO
ok, my husband,son and i were going to walmart 4/26/08 when a guy ran a stop sign and we hit him... our car wasnt damaged but the guy that ran the stop sign's was. He didnt want to turn it in or anything so since ours wasnt harmed and it was no big deal we let it go(thinking we were doing a favor). Well, not sure how but he found out my husbands name and is now calling him wanting to turn it in- apparently the price to fix the car is higher than he wants to pay. He's acting like he can get us in trouble or something. Is this true? if so we didnt think it was a big deal at the time due to no harm to our property... what advice can someone give me? please anything helpful is appreciated. Is it possible to backdate something because i wouldnt care to do so if possible... it's not going to effect our insurance since it wasn't our fault so i wouldnt mind... but... is this possible? Btw, the state is WV and I have insurance with Safeco.
plus-no info was exchanged except apparently names
yeah, it's a weird intersection that looks like a 4-way stop but one lane DOESN't have to stop.. (we were in that lane) he just kinda came out into our lane-not sure if he ran the stop sign or not but still the point is that we had the right of way... just to clarify what happened... ifigure you guys are right about the whole no insurance thing and thats why he didnt want to. This was my first accident so I have already learned..report everything-lol. Luckily I took your guys advice and called my insurance and they are taking care of it. The damage speaks for itself and so does the location it happened. They are sending someone to look at the location and we have to take the car to someone to get it inspected.
Answer
The other car ran a stop sign and wants you to pay for it? Granted there is more to the story that what you said in that one line.....but if the other guy is the cause of the accident - your company will not pay him.
Call the guy - get his name, address, phone number, year/make/model of is car, what part damage. Tell him you are going to report it to your insurance company and will have them call him.
Then call your company and report the claim to the. Give them all the information on the guy so they can contact him.
If you want to -- call the guy and then give him the name, phone number and claim number.
Now--- you never have to speak to him again. You do not have to discuss anything with him.
If he calls you after that--- you tell him to call the adjuster.
The insurance company will do an investigation. That includes getting your statement and the statement of the other driver. They will also photograph both vehicles and possibly do a scene investigation.
If the accident is your fault- they will pay the guy. It will protect you from a law suit.
If the accident is not your fault - they will deny his claim. If he files a lawsuit - they will hire a lawyer to defend you.
This is what insurance is for. Let your company deal with it. Just be sure to let the adjuster know any concerns you have and cooperate in the investigation of the claim.
The other car ran a stop sign and wants you to pay for it? Granted there is more to the story that what you said in that one line.....but if the other guy is the cause of the accident - your company will not pay him.
Call the guy - get his name, address, phone number, year/make/model of is car, what part damage. Tell him you are going to report it to your insurance company and will have them call him.
Then call your company and report the claim to the. Give them all the information on the guy so they can contact him.
If you want to -- call the guy and then give him the name, phone number and claim number.
Now--- you never have to speak to him again. You do not have to discuss anything with him.
If he calls you after that--- you tell him to call the adjuster.
The insurance company will do an investigation. That includes getting your statement and the statement of the other driver. They will also photograph both vehicles and possibly do a scene investigation.
If the accident is your fault- they will pay the guy. It will protect you from a law suit.
If the accident is not your fault - they will deny his claim. If he files a lawsuit - they will hire a lawyer to defend you.
This is what insurance is for. Let your company deal with it. Just be sure to let the adjuster know any concerns you have and cooperate in the investigation of the claim.
car accident. Need info about repairs being taken care of.?
flowerchic
I was in a car accident on the 15th. For some reason the police did not offer to give me the at fault drivers insurance info or name. I was a bit shook up and didn't think to ask. I called my insurance company (state farm) to make a claim in order to get a rental car to make it to and from work. The police report is now ready, and I am going to pick it up in the morning. My question is: My insurance company explained to me that the way it would work is that I use my insurance and then his reimburses. My only problem with that is that I have to shell out the $250 deductable. Should I be able to get that from his insurance before my car is fixed. I really don't have the money with christmas coming up. I also had to shell out $50 for a deposit on the rental, and I get to pick up the towing bill. I don't see where it is fair that I should have to pay anything out of my pocket. Please give me any advice possible. Insurance worker are very appreciate for expert advice.
Answer
The answer from wrenched is really one sided and there is no reason to accuse your agent of anything bad. What it looks like is that after the accident you reported this to your agent or claims office and they started the claim process. If you needed a rental car right away b/c you car was not drivable this was the best thing to do since you did not have the other persons information. You are required to mitigate your damages(in this case it would mean not to just sit around and drive a rental car while nothing is being done and your car is just sitting there.) and you did. Everything that you have done is correct
Now that you have the other persons insurance information you can call them and see if they are accepted responsibility for the accident. If so then they may be able to switch over the rental bill to their name and pick up the repair cost in full. Keep in mind that they will need to review your repair shops estimate and pictures and will have had to have completed their investigation of the accident. If their driver never called them, then they are several steps behind and will not be able to pay regardless of what the police report says. If your car is ready to be picked up and the other company has accepted responsibility, you may be able to ask for the deductible and towing to be paid to you and let the your insurance company handle the rest of their subrogation. Neither company can do anything about the rental deposit. It is required by the rental company for their security. You insurance company has a contract with the rental company that actually lowered the deposit from $250 to $50 because you have insurance with them.
You are not giving up your right to the claim like Wretched said, you are giving up your rights to whatever your insurance company paid only. If you continue on the way you are going, your insurance company will collect their money and your deductible for you. This is all normal. I agree it is not fair that you have the out of pocket expenses up front. I would call the other insurance company and ask if they can pay your tow bill, deductible, and even rental. Your agent did the right thing, they had you taken care of to get you going
The answer from wrenched is really one sided and there is no reason to accuse your agent of anything bad. What it looks like is that after the accident you reported this to your agent or claims office and they started the claim process. If you needed a rental car right away b/c you car was not drivable this was the best thing to do since you did not have the other persons information. You are required to mitigate your damages(in this case it would mean not to just sit around and drive a rental car while nothing is being done and your car is just sitting there.) and you did. Everything that you have done is correct
Now that you have the other persons insurance information you can call them and see if they are accepted responsibility for the accident. If so then they may be able to switch over the rental bill to their name and pick up the repair cost in full. Keep in mind that they will need to review your repair shops estimate and pictures and will have had to have completed their investigation of the accident. If their driver never called them, then they are several steps behind and will not be able to pay regardless of what the police report says. If your car is ready to be picked up and the other company has accepted responsibility, you may be able to ask for the deductible and towing to be paid to you and let the your insurance company handle the rest of their subrogation. Neither company can do anything about the rental deposit. It is required by the rental company for their security. You insurance company has a contract with the rental company that actually lowered the deposit from $250 to $50 because you have insurance with them.
You are not giving up your right to the claim like Wretched said, you are giving up your rights to whatever your insurance company paid only. If you continue on the way you are going, your insurance company will collect their money and your deductible for you. This is all normal. I agree it is not fair that you have the out of pocket expenses up front. I would call the other insurance company and ask if they can pay your tow bill, deductible, and even rental. Your agent did the right thing, they had you taken care of to get you going
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