So I got rear-ended

Y

yeahokthenfu

CAGiversary!
And now the person who rear-ended me wants to pay out of pocket for the accident. Ive already put a claim in, but Im not sure if I should go through the insurance or go through the person.
I think I would come out ahead if the person doesnt screw me over, there isnt too much damage to my car, so I dont know what to do.
What would my fellow CAGers do??
 
Hmm, I thought I was walking into a porn discussion. I'd go through the insurance...it's why we pay it. Plus, you can't trust people.
 
Yeah, I was thinking the same thing, since the dumbass that hit me didnt have his liscense and the car wasnt under his name.
Im going to get an estimate this weekend and then let the person know, if they agree and give me the money before I get the work done then I think Ill go through them
 
[quote name='The Gifuto']Hmm, I thought I was walking into a porn discussion. I'd go through the insurance...it's why we pay it. Plus, you can't trust people.[/quote]

i 3rd this.

you should go through insurance, unless the guy was really nice, shaq-fu him. =D ask him what kinda games he got too.
 
i got hit 4 times in the last 6 years. 2 times each way. Both times we didnt call the cops i got ripped its probally they dont have insurance
 
[quote name='The Gifuto']Hmm, I thought I was walking into a porn discussion. I'd go through the insurance...it's why we pay it. Plus, you can't trust people.[/quote]

i knew someone would make a dirty comment :) haha.. but yeah, just go through insurance.. it wont affect your rates and you are guananteed to get the money...
 
How do you call the cops when you get into a car accident? Is there a general non-emergency number to summon a cop to write up a report?
 
Since its a signifcant amount of damage I'd file a claim. Normally when people want to pay out of pocket they don't have insurance or its a minor accident and the hit to thier insurance will be worse than the cost of the accident (for example a 17 year old who just got thier license would make out better paying out of pocket in some cases.)
 
[quote name='kodec']How do you call the cops when you get into a car accident? Is there a general non-emergency number to summon a cop to write up a report?[/quote]

I think it's ok to call 911 and say that you were in a car accident, it's nothing serious/no one's hurt, and request a cop come down to the location. Otherwise, you'd have to know the local police phone number of whatever town you were in.
 
[quote name='zionoverfire']Since its a signifcant amount of damage I'd file a claim. Normally when people want to pay out of pocket they don't have insurance or its a minor accident and the hit to thier insurance will be worse than the cost of the accident (for example a 17 year old who just got thier license would make out better paying out of pocket in some cases.)[/quote]
well put it this way Im driving a dodge intrepid and he is driving a geo metro, you can barely tell I got in an accident but there is damage to my car along with a flat tire possibly from the accident. His car was thrashed
 
[quote name='BLarR']Take the cash. and then talk to the insurance companies claiming he never paid you.[/quote]

That's not the CAG way to do things. [-X
 
[quote name='BLarR']Take the cash. and then talk to the insurance companies claiming he never paid you.[/quote]
no thats fucked up im cheap and asshole but no
 
As always, you have to consider each individual situation. I got rear-ended a few months ago, and the guy was going to lose his driver's license if I filed the claim with his insurance company. I allowed him to pay for the repairs out of pocket and everything went fine. But, obviously, you are taking a risk if you do so...you want to do unto others as you would have done unto you, but you also have to gauge your own ability to assess character very quickly & under unusual circumstances.
 
[quote name='kodec']How do you call the cops when you get into a car accident? Is there a general non-emergency number to summon a cop to write up a report?[/quote]

Call 911. Let them know immediately that no one was hurt in the accident, that you just need an officer to come to the scene.
 
[quote name='RBM']As always, you have to consider each individual situation. I got rear-ended a few months ago, and the guy was going to lose his driver's license if I filed the claim with his insurance company. I allowed him to pay for the repairs out of pocket and everything went fine. But, obviously, you are taking a risk if you do so...you want to do unto others as you would have done unto you, but you also have to gauge your own ability to assess character very quickly & under unusual circumstances.[/quote]
There is no quickness needed for this situation I have a claim in at both insurance companies, and by them requesting to pay out of pocket they are admitting fault, which they did to my insurance company. I think the guy may have a bad record, because he claimed that his liscense was at his house but when the cop got there he said he had lost it, but the cop said he was clean, so Im not sure
 
[quote name='yeahokthenfu'] So I got rear-ended.[/quote]
[quote name='alongx'] expect to get stiffed[/quote]
[quote name='gameguy22006'] so you don't get screwed[/quote]
[quote name='mousin']fuck him[/quote]
[quote name='slidecage']i got hit 4 times in the last 6 years. 2 times each way[/quote]
:rofl: Stop...you guys are.....killing me.... :rofl:
 
hmm thats actually pretty damn funny
I think Im going to consult my mother and see what she would do, I think she had this happen to her before
Thanks for the info CAGers, Im siding with staying with the insurance now so thanks
 
[quote name='yeahokthenfu'] So I got rear-ended.[/quote]
[quote name='yeahokthenfu']I think Im going to consult my mother and see what she would do, I think she had this happen to her before[/quote]

:rofl:
 
In Washington, you can fill out an accident report yourself at any county sherriff's office. Do this...at least then you have some proof that there was in fact an accident in case this guy tries to fight it later.
Also, just because your car doesn't LOOK bad doesn't mean damage won't be expensive to repair. Your car doesn't look too bad because your bumper absorbed the damage - bumpers are good for pretty much ONE good hit and then they need to be replaced, or they're not safe and won't protect you the next time around.
I'm gonna fifth, sixth, and seventh what everyone else said - fill out the accident report, and go through your insurance company...it's not to be a jerk, it's to get back what's yours.
And for the love of God people, don't call 911 for a fender bender - that's not what it's for, and that's why people having heart attacks don't get help fast enough and die, because folks are reporting fender benders and calling 911 because they ran out of gas. Shell out the $.75 or whatever it is and call directory assistance - ask them to connect you to the local police authority.
 
[quote name='sblymnlcrymnl'][quote name='yeahokthenfu'] So I got rear-ended.[/quote]
[quote name='yeahokthenfu']I think Im going to consult my mother and see what she would do, I think she had this happen to her before[/quote]

:rofl:[/quote]
Thats comedy, hmm I guess I should rephrase things before i speak
 
i don't know if anyone else is thinking this but why the hell didn't you call the cops? plus if they rear ended you, it's not your fault what so ever. no matter what, even if you jamed on teh brakes, they were following too close and its thier fault.

WOW way late. anyways, when i got rear ended i just dialed 911. i think thats what everyone does.
 
First is your state a fault or no fault state? Is your insurance paying for your damages?

I will assume you are in a fault state. So, unless the guy is coming over to your house to and handing you a couple thousand and cash and having you sign a contract saying he has paid you for the damages you might as well file with his insurance so that the insurance company will pay.
 
That thing about the mother is sooo funny. Anyways If you were the person driving you would want to pay out of your pocket too. If he is gonna pay i say be nice but only if he pays up front. If not then you better file something quick or your going to feel like you were really rear-ended.
 
[quote name='Indiana']First is your state a fault or no fault state? Is your insurance paying for your damages?

I will assume you are in a fault state. So, unless the guy is coming over to your house to and handing you a couple thousand and cash and having you sign a contract saying he has paid you for the damages you might as well file with his insurance so that the insurance company will pay.[/quote]

I hate people. My neighbors jumped on my new car in my driveway over the summer. What a bunch of shaq-fuing MORONS. That was my first claim in a long time. They were in their late 20's too! Then they had the nerve to call me white b*tch the rest of the night. F-them, they are the ones getting the collection letters from the insurance company now.

/end personal rant

How does the fault/no-fault thing work? I remember going over it in my legal class, but I'm a little foggy on it. Isn't that were if you both contribute to an accident, you have to pay for your own damages? I don't really know, please explain! Thanks!
 
Go with the insurance. There's no telling what type of damage is under that bumper. Many bumpers have the actual metal bumper and a plastic honeycomb type piece under the bumper cover. The metal bumper is probably bent along with the bumper supports. The plastic honeycomb piece is probably shattered, if it has one.

ALWAYS go with the insurance, even if it's your fault they may try to screw you.
 
311 is a general non-emergency number in New York city, I dont know if it applies elsewhere, but it might not get the job done.
As far as I know, if someone rear ends you then its likely their fault for driving too close (you "need" a 2 car distance depending on speed) so yeah calling insurance would be your best bet so that the other care doesnt try and screw you.
 
[quote name='Arakias'](you "need" a 2 car distance depending on speed) [/quote]

General rule is 2 seconds, that will make speed a non-factor.
 
if they're willing to pay out of pocket and get your vehicle fixed, go for it

insurance companies can have drawbacks, I work for one in the claims department, and they don't like to pay

they will take into account things like depreciation and may only offer you 80-90 percent of the liability, depending on the state you live in and the details of the accident

here's a classic example, poor guy stopped at a traffic light, gets hammered from behind by our policy holder, the vehicle needs a muffler

since insurance companies only have to get you back to pre accident condition, we would only pay for a used muffler and not the appreciation of the guy getting a new muffler, good luck finding one of those, the guy basically had to pay to get a new muffler

I work for the evil man and the man is evil
 
[quote name='BLarR']Take the cash. and then talk to the insurance companies claiming he never paid you.[/quote]

Do not do this! This would be insurance fraud and you could get into alot of trouble.

I am a licensed Insurance Agent in FL. You are better off going through the insurance so that you do not get screwed. If the guy did not have a license and was driving someone elses car, why would you belive that he has the cash to pay you.

Now just a fair warning your insurance my be affected by this. Some insurance companies do rate/tier for not at fault accidents along with comprehensive losses. It just depends on your company and how they have filed with the state.
 
[quote name='SadieDee'][quote name='Indiana']First is your state a fault or no fault state? Is your insurance paying for your damages?

I will assume you are in a fault state. So, unless the guy is coming over to your house to and handing you a couple thousand and cash and having you sign a contract saying he has paid you for the damages you might as well file with his insurance so that the insurance company will pay.[/quote]

I hate people. My neighbors jumped on my new car in my driveway over the summer. What a bunch of shaq-fuing MORONS. That was my first claim in a long time. They were in their late 20's too! Then they had the nerve to call me white b*tch the rest of the night. F-them, they are the ones getting the collection letters from the insurance company now.

/end personal rant

How does the fault/no-fault thing work? I remember going over it in my legal class, but I'm a little foggy on it. Isn't that were if you both contribute to an accident, you have to pay for your own damages? I don't really know, please explain! Thanks![/quote]

Many people do not understand this, it has nothing to do with who is at fault in the accident. No-Fault is about medical payments that you may receive. Lets take my state for example FL has PIP (no-fault) it is a $10,000 coverage that pays for your medical expenses regaurdless of who was at fault in the accident, it will always pay primary (1st) if you have more expenses than the PIP will cover you then look to the other parties liability if they were at fault in the accident. If they are uninsured you would then look to your own uninsured motorist coverage. If you do nto carry this coverage (it is not required) then you would look to your own health care and hope that they do not have an auto accident exclusion. If for some reason they do you would sue the individual that was at fault.

People think that if their state has no-fault that no one is ever at fault in an accident, this is not true someone will always be found at fault.

Again I am a Licensed Insurance Agent.
 
i got into a car accident a week ago....long story short....a guy ran a red light and slammed into me....he swore at the scene (to me and the trooper) that the light was yellow, the cop gave him a ticket and said either way, its his fault....now ive been waiting to get a rental from his insurance company for a week because my insurance company will only cover a $30 vehicle for 30 days...which would only give me a cavalier, when I need an suv or a van....but he lied to his insurance company and told them that the light was green....so they're not paying for anything (yet)
 
trust, if you got collision, I'd advise you to use your cov and get your vehicle fixed ASAP and let your insurance company subrogate (pursue the money from the responsible party)
 
[quote name='SadieDee'][quote name='Indiana']First is your state a fault or no fault state? Is your insurance paying for your damages?

I will assume you are in a fault state. So, unless the guy is coming over to your house to and handing you a couple thousand and cash and having you sign a contract saying he has paid you for the damages you might as well file with his insurance so that the insurance company will pay.[/quote]

I hate people. My neighbors jumped on my new car in my driveway over the summer. What a bunch of shaq-fuing MORONS. That was my first claim in a long time. They were in their late 20's too! Then they had the nerve to call me white b*tch the rest of the night. F-them, they are the ones getting the collection letters from the insurance company now.

/end personal rant

How does the fault/no-fault thing work? I remember going over it in my legal class, but I'm a little foggy on it. Isn't that were if you both contribute to an accident, you have to pay for your own damages? I don't really know, please explain! Thanks![/quote]

In a no-fault state I can crash into you and each parties insurance pays for their own damages. It really sucks if you ask me. If it was an accident where you were not in the wrong your insurance is not "suppose" to increase.

Why didn't you call the police on your neighbors?
 
[quote name='Othergods']
Many people do not understand this, it has nothing to do with who is at fault in the accident. No-Fault is about medical payments that you may receive. Lets take my state for example FL has PIP (no-fault) it is a $10,000 coverage that pays for your medical expenses regaurdless of who was at fault in the accident, it will always pay primary (1st) if you have more expenses than the PIP will cover you then look to the other parties liability if they were at fault in the accident. If they are uninsured you would then look to your own uninsured motorist coverage. If you do nto carry this coverage (it is not required) then you would look to your own health care and hope that they do not have an auto accident exclusion. If for some reason they do you would sue the individual that was at fault.

People think that if their state has no-fault that no one is ever at fault in an accident, this is not true someone will always be found at fault.

Again I am a Licensed Insurance Agent.[/quote]
Good explanation. I'm near Canada, so I've had to deal with claims that happened while people were up there. Canada is a "true no fault" country, which means no matter who was at fault, your own insurance will cover the damage, and there is no subrogation. So if you're rear-ended, you're out your deductible. The main idea is reducing insurance fraud.
 
I 54th it or whatever number its up to. Go through insurance. Either way you might get 'stiffed' but at least you can blame the insurance company instead of yourself.
 
[quote name='Indiana'][quote name='SadieDee'][quote name='Indiana']First is your state a fault or no fault state? Is your insurance paying for your damages?

I will assume you are in a fault state. So, unless the guy is coming over to your house to and handing you a couple thousand and cash and having you sign a contract saying he has paid you for the damages you might as well file with his insurance so that the insurance company will pay.[/quote]

I hate people. My neighbors jumped on my new car in my driveway over the summer. What a bunch of shaq-fuing MORONS. That was my first claim in a long time. They were in their late 20's too! Then they had the nerve to call me white b*tch the rest of the night. F-them, they are the ones getting the collection letters from the insurance company now.

/end personal rant

How does the fault/no-fault thing work? I remember going over it in my legal class, but I'm a little foggy on it. Isn't that were if you both contribute to an accident, you have to pay for your own damages? I don't really know, please explain! Thanks![/quote]

In a no-fault state I can crash into you and each parties insurance pays for their own damages. It really sucks if you ask me. If it was an accident where you were not in the wrong your insurance is not "suppose" to increase.

Why didn't you call the police on your neighbors?[/quote]

Indiana this is not how it works, read my previous post for the correct explination. I have my non-resident license in Indiana and sell insurance to IN drivers. My company will increase your rates if you claim a not at fault accident or a comprehensive loss, we do not surcharge the policy but we will retier the risk which will increase the premium. This may vary from company to company.

Wow Doylerulez that is weird, since that is the case do you guys carry Bodily Injury or Property Damage Liability? If you have an accidnet who pays for the medical expenses?
 
new york is a no-fault medical state, every policy has $50K in coverage per passenger, the amount of fraud is absurd

there is comparitive negligence for Property damage
 
Insurance Companies are the biggest crap ever. On the 17 this 78 y/o lady ran into my car. She did not stop at the stop sign. My car has been waiting for 11 days for someone to do something.

I did call the cops, she was at fault. Nothing from insurance till today. I had to call a Dealer, tell them about it, called the damn insurance company and tell them what I was gonna do. Now the Tow Company is coming, the insurance will pay for it, and I'm getting a rental while they fix it.

You got to do what you got to do. I decided to go against the insurance...cause man I seriously don't think that lady should be driving. You should have seen her.
 
When I got rearended I was lucky enough that the dumbass was going 2wce the speedlimit and left about 150ft of skid marks. Also it helped that we both had the same insurnace agent. Let's just say I got a lot more for my car than I paid for it when it got totaled haha. Bitches!
 
[quote name='Indiana']
In a no-fault state I can crash into you and each parties insurance pays for their own damages. It really sucks if you ask me. If it was an accident where you were not in the wrong your insurance is not "suppose" to increase.

Why didn't you call the police on your neighbors?[/quote]

Oh, I sure did. :twisted:

Thanks for the explanation. I'm glad I'm not in a no-fault state.
 
It all depends. I would have saud lets go to the bank now, and you are gonna give me a 1000 deposit. Car repairs arnt cheap at all. If he said no to that, I would have called the police. Remember, your insurance can go up to from the accident.
 
[quote name='yeahokthenfu']And now the person who rear-ended me wants to pay out of pocket for the accident. Ive already put a claim in, but Im not sure if I should go through the insurance or go through the person.
I think I would come out ahead if the person doesnt screw me over, there isnt too much damage to my car, so I dont know what to do.
What would my fellow CAGers do??[/quote]

Uh. How is it your fault? 90% of the time, when someone rear-ends YOU, they're at fault...

EDIT: Nevermind - adjusting to new contacts and misread the sentence - haha.

Just go back to dealership, get an estimate, then give it to him, take cash and be happy and go to non-dealership if you're feeling evil. *shrug* Insurance claims can take a long time - or a short time - but either way - I hate working with insurance. They'll sometimes raise premiums even if it wasn't your fault.
 
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