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Started By
Message
1
Posted on 10/19/23 at 10:56 am to biglego
quote:
Pretty awesome to pay for insurance that can’t even be used
You read my mind.
Posted on 10/19/23 at 11:02 am to Klondikekajun
quote:
quote:
I am going to pass on the whole insurance fraud thing.
While I admire your conscience, you can in good conscience tell what happened without lying.
Car was stalled.
While going around it, made contact with another car which speed away without stopping.
ABSOLUTE TRUTH without admitting any fault.
That is admitting fault. She still hit the vehicle. Even if it stopped abruptly for no reason, she still hit it meaning she was following too closely.
Posted on 10/19/23 at 11:06 am to TDTOM
quote:
The person she hit left the scene.
Sounds like the other driver was avoiding police interaction. Did the driver swap information with your wife before leaving the scene?
Posted on 10/19/23 at 11:09 am to riverdiver
I am not suggesting that OP or his wife commit Insurance fraud, but...
Based on the above explanation from OP, how could the insurance company determine it was his wife that rear-ended someone. She could lie and say the car in front of her tried to back-up to avoid a stalled car, backed into her vehicle, then sped off.
Or go home, park the car in the street, then file a police report for a hit & run.
Both cases involve intentionally lying to the insurance company (fraud) for their personal gain, just throwing out the question how anyone could argue against either if the other car is not on scene.
quote:quote:
She was attempting to get into the left lane to get around a stalled car. The car in front of her stopped for no reason (green light) as she was merging, and she hit him on the passenger side rear bumper. Air bags did not deploy.
My experience, if you rear end someone you’re typically considered at fault.
Based on the above explanation from OP, how could the insurance company determine it was his wife that rear-ended someone. She could lie and say the car in front of her tried to back-up to avoid a stalled car, backed into her vehicle, then sped off.
Or go home, park the car in the street, then file a police report for a hit & run.
Both cases involve intentionally lying to the insurance company (fraud) for their personal gain, just throwing out the question how anyone could argue against either if the other car is not on scene.
Posted on 10/19/23 at 11:12 am to tigersbb
quote:
Did the driver swap information with your wife before leaving the scene?
No. Like the lady from LPD described it to me while watching the video. Yeah, he definitely stopped and she hit him. Then just sped off with his bumper hanging off and eryding. Why he do that?
She was super nice, but it was funny hearing her commentary.
This post was edited on 10/19/23 at 11:20 am
Posted on 10/19/23 at 11:15 am to TDTOM
quote:
LPD just called me back and confirmed my wife's story that he did just randomly stop at a green light while she was trying to merge. I am not sure if this makes a difference in any of this.
I would suspect it would not. At most, if the person stuck around, your insurance company would use the "randomly stop at a green light" in order to claim comparative negligence and deny the other vehicle's claim. You, or your insurance company, would be on the hook for your wife's damages; and they would be on the hook for their damages.
Posted on 10/19/23 at 11:18 am to TDTOM
If she is at fault and the other person left, why are the police even involved? Never involve the police if you are at fault, that needs to be initiated by the other party.
Don't do a report, file a claim and say they were at fault and fled the scene probably because they had no insurance or had an attachment out on them.
Insurance company will not try to look at camera video.
Don't do a report, file a claim and say they were at fault and fled the scene probably because they had no insurance or had an attachment out on them.
Insurance company will not try to look at camera video.
Posted on 10/19/23 at 11:19 am to Skippy1013
quote:
Insurance company will not try to look at camera video.
And in this instance you could have said it happened somewhere else where there are no traffic cams.
Posted on 10/19/23 at 11:22 am to Skippy1013
quote:She's got front end damage. You think that won't raise suspicion from the adjuster if OP's wife tries to lie and blame fault on the driver that fled?
Don't do a report, file a claim and say they were at fault and fled the scene probably because they had no insurance or had an attachment out on them.
Insurance company will not try to look at camera video.
Biting the bullet on the repair cost is better than ending up in jail for insurance fraud.
Posted on 10/19/23 at 11:28 am to BabyTac
quote:Sounds like a great plan....
Anyone who pays more to an insurance company than they are required to needs to lower their policy to the bare minimum immediately. Biggest racket in America.
Until a driver in your household is at fault for a wreck and the plaintiff's lawyer figures out you're a high earner and/or have assets that aren't otherwise protected from a civil judgment against you.
Posted on 10/19/23 at 12:00 pm to TDTOM
quote:
You read my mind.
It sucks but having YOUR interest in mind, its going to suck to report an At Fault Accident to pay for lets say 3k-5k in damage. You will pay more in premiums over the next 5 years for sure. You don't want to come out of pocket, file the claim but you won't come out financially ahead and heaven forbid a 2nd accident occurs over next few years...
Your advantage in this is that there is no medical liability at hand it appears which if there was, its an automatic you are forced to report it.
Posted on 10/19/23 at 12:43 pm to Bullfrog
Absolutely not true. Carfax finds out about accidents from insurance companies and police reports. I am in the vehicle repair industry and have never heard of a collision repair shop selling damage data to Carfax. Carfax is a joke. Just another money making scam.
OP - my advice is to get quotes from a few different, reputable, collision centers. Just to make sure you are getting a fair deal. Also ask if they offer any kind of discount, depending on how you pay.
Also, pay out of pocket. Between dealerships using carfax against you when trying to sell or trade your car in, adding your daughter to your insurance, and them increasing your premiums, you will end up paying much more in the future if you go through insurance.
OP - my advice is to get quotes from a few different, reputable, collision centers. Just to make sure you are getting a fair deal. Also ask if they offer any kind of discount, depending on how you pay.
Also, pay out of pocket. Between dealerships using carfax against you when trying to sell or trade your car in, adding your daughter to your insurance, and them increasing your premiums, you will end up paying much more in the future if you go through insurance.
This post was edited on 10/19/23 at 12:48 pm
Posted on 10/19/23 at 12:44 pm to BigBinBR
quote:
If the claim rep you get has any experience whatsoever, they will quickly be able to tell that whatever sorry you make up doesnt make sense.
I have about 30 years experience. About 90% of the time. I often wonder were these two people even in the same wreck after taking a their statement
Posted on 10/19/23 at 12:58 pm to sidewalkside
That doesn’t work. Some what I assume are Mexicans piled into a van pulled over in front of our daughter and caused her to hit them, then left. She was still “at fault.” The car was totaled so at least we got a check to replace it.
Posted on 10/19/23 at 1:12 pm to TDTOM
Are you sure the other motorist didn’t jamb on his/her brakes, back up into your wife’s car, shout obscenities, and flee the scene?
Posted on 10/19/23 at 1:24 pm to beachdude
quote:
Are you sure the other motorist didn’t jamb on his/her brakes, back up into your wife’s car, shout obscenities, and flee the scene?
. Can I play the reverse race card here somehow?
Posted on 10/19/23 at 1:25 pm to Weekend Warrior79
quote:
Or go home, park the car in the street, then file a police report for a hit & run.
Yes, lie to the insurance company thinking it’ll make this go in your favor by telling them you parked the car in the path of traffic.
Do not follow this dumbass advice.
Posted on 10/19/23 at 1:26 pm to TDTOM
quote:
She was attempting to get into the left lane to get around a stalled car. The car in front of her stopped for no reason (green light) as she was merging, and she hit him on the passenger side rear bumper
She’s at fault 10/10 times. 100% at fault here, no two ways about it.
Posted on 10/19/23 at 2:24 pm to TDsngumbo
I see your reading comprehension skills are severely lacking. Or you just enjoy picking random sentences from a post, and calling people a dumbass so you can get a few up votes.
At what point in my post did I suggest OP lie to the insurance company? At what point did I suggest they park the car in the path of traffic?
I clearly asked a hypothetical based on the person implying the insurance carrier would be able to clearly determine the wife rear-ended someone based on the damage. Hell, I even started my post with "I am not suggesting that OP or his wife commit Insurance fraud"
At what point in my post did I suggest OP lie to the insurance company? At what point did I suggest they park the car in the path of traffic?
I clearly asked a hypothetical based on the person implying the insurance carrier would be able to clearly determine the wife rear-ended someone based on the damage. Hell, I even started my post with "I am not suggesting that OP or his wife commit Insurance fraud"
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