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re: GMT: Friday's Here Edition
Posted on 10/24/14 at 11:33 am to tgrbaitn08
Posted on 10/24/14 at 11:33 am to tgrbaitn08
You nailed it. Don't ever report anything to your insurance carrier when you weren't at fault, unless it's a last resort and you're not being indemnified by the at-fault party. Then, claim it and let them fight it out.
0
Posted on 10/24/14 at 11:33 am to lsunurse
quote:because now they know that you have been in an incident
Why should I fight his insurance on my own when I can have them do it for me? I mean...I pay enough each month for insurance for that right?
you are an increased risk
your rates will likely go up
:(
Posted on 10/24/14 at 11:34 am to Festus
quote:
NEVER contact your insurance company until after you've contacted the at-fault party's carrier. If they handle it, you don't want to put your carrier on notice you were in an accident. If the other carrier doesn't handle it to your satisfaction, then call your carrier. Insurance 101
So am I totally fricked now? Is that what you are saying?
Btw...like I said...minor damages to my vehicle. Other cars involved...not so much. I am having back pain..but will go to urgent care this am about that so it's documented.
Posted on 10/24/14 at 11:35 am to lsunurse
quote:
So am I totally fricked now? Is that what you are saying?
No, not saying that. Just saying you can get your car fixed, be out of pocket nothing, and your insurance carrier has no knowledge you were in an accident.
Reporting it to your carrier, even though you weren't at fault, can result in them raising your rates, and it's unnecessary in this case.
ETA: Plus, you said you're having back pain. Your carrier won't fight with them over your bodily injury claim. You'll have to deal direct with the other carrier for that. You're gonna end up dealing with them anyway.
This post was edited on 10/24/14 at 11:37 am
Posted on 10/24/14 at 11:36 am to lsunurse
quote:
I am having back pain
Oh here we go... the North BR in you is coming out now.
Posted on 10/24/14 at 11:36 am to tgrbaitn08
quote:
if you have it all figured out then why did you ask
I don't have it all figured out. I haven't been in a car accident with a vehicle I was driving in over 15 years.
Posted on 10/24/14 at 11:36 am to terd ferguson
was waiting on a comment about that 
Posted on 10/24/14 at 11:36 am to tgrbaitn08
quote:this is true but I also have a good agent who I call first and he would tell me to call my company or not.
these kids dont know shite
Posted on 10/24/14 at 11:37 am to lsunurse
quote:
So am I totally fricked now? Is that what you are saying?
no, just make sure that you insurance doesn't file a claim on your behalf....did they give you a claim #?
Contact his insurance company and file a claim with them....
Posted on 10/24/14 at 11:39 am to Winkface
quote:
this is true but I also have a good agent who I call first and he would tell me to call my company or not.
why call your agent first when you can just come to the OT for all the answers you need.
Posted on 10/24/14 at 11:39 am to terd ferguson
quote:
Oh here we go... the North BR in you is coming out now.
Totally not! One lady at the accident was asking if they should call to have an ambulance at the scene to be checked out for whiplash....as we are all standing around our vehicles that we were all able to drive off the freeway to the spot the cops told us to. I told her she can either drive to the ER after they are done with us or go to urgent care. But that calling 911 seems a bit much since we all appear to be without serious injury.
Posted on 10/24/14 at 11:39 am to Winkface
quote:
agent
Scam
Posted on 10/24/14 at 11:41 am to tgrbaitn08
well...I'll consider that next time.
Posted on 10/24/14 at 11:42 am to lsunurse
quote:
But that calling 911 seems a bit much since we all appear to be without serious injury.
so now your giving medical advice at the scene of an accident? So what happens when this lady ends up with severe back and neck injuries and she tells her insurance company the nurse at the scene of the accident told her not to call 911?
you're going to get sued and they're gonna take Butters away from you.
This post was edited on 10/24/14 at 11:44 am
Posted on 10/24/14 at 11:49 am to lsunurse
quote:
I told her she can either drive to the ER after they are done with us or go to urgent care. But that calling 911 seems a bit much since we all appear to be without serious injury.
You're just a glorified diaper changer... what if that woman has a serious injury? I hope she sues you for preventing her from getting the medical attention she needed!
Posted on 10/24/14 at 11:53 am to tgrbaitn08
quote:
so now your giving medical advice at the scene of an accident? So what happens when this lady ends up with severe back and neck injuries and she tells her insurance company the nurse at the scene of the accident told her not to call 911?
It wasn't just me saying that though. Everyone was all talking together afterwards while waiting for the police to be done with the report. She was asking the group and we all were saying the same thing. I just told her that if she thinks she is injured she needs to def be seen for it.
Posted on 10/24/14 at 11:55 am to lsunurse
You are the one with medical training though
Hopefully you didn't mention you were a nurse
Hopefully you didn't mention you were a nurse
Posted on 10/24/14 at 11:57 am to yellowfin
quote:
Hopefully you didn't mention you were a nurse
I was on my way to work, with scrubs and my badge on when I got out the vehicle. She saw I was a nurse.
Posted on 10/24/14 at 11:57 am to lsunurse
you better lawyer up.....
were you wearing scrubs?
were you wearing scrubs?
Posted on 10/24/14 at 11:57 am to lsunurse
quote:
I was on my way to work, with scrubs and my badge on when I got out the vehicle. She saw I was a nurse.
you're fricked
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