- My Forums
- Tiger Rant
- LSU Recruiting
- SEC Rant
- Saints Talk
- Pelicans Talk
- More Sports Board
- Fantasy Sports
- Golf Board
- Soccer Board
- O-T Lounge
- Tech Board
- Home/Garden Board
- Outdoor Board
- Health/Fitness Board
- Movie/TV Board
- Book Board
- Music Board
- Political Talk
- Money Talk
- Fark Board
- Gaming Board
- Travel Board
- Food/Drink Board
- Ticket Exchange
- TD Help Board
Customize My Forums- View All Forums
- Show Left Links
- Topic Sort Options
- Trending Topics
- Recent Topics
- Active Topics
Started By
Message
re: What's The Right Thing to do RE: Fender Bender
Posted on 5/16/17 at 11:03 pm to PurpleandGold Motown
Posted on 5/16/17 at 11:03 pm to PurpleandGold Motown
Do you have photos? Does she have photos? If so, send photos to your insurance company. Let them deal with it.
0
Posted on 5/17/17 at 12:01 am to Paul Allen
quote:yep, next time y'all speak she'll have whiplash and emotional distress. That McKernan guy is going to get knee deep in yo arse.
Lawyer up
Posted on 5/17/17 at 1:52 am to PurpleandGold Motown
The accident is your fault. Best to report it to your insurance company. If you settle with her, and she claims future bodily injury damages, your insurance company will deny the claim because you failed to report the incident as required under your policy.
Posted on 5/17/17 at 2:01 am to BoomBoomBoom
quote:
The accident is your fault. Best to report it to your insurance company. If you settle with her, and she claims future bodily injury damages, your insurance company will deny the claim because you failed to report the incident as required under your polic
If he settles with her be certain to get a release of all claims. He is trying to keep a chargeable accident off of his driving record to affect his premiums.
Do have a duty to report it to the carrier and if they are prejudiced from an effective investigation could investigate under a reservation of right and possibly deny coverage. This is difficult to sustain but still possible.
Nothing to keep this woman from developing a bodily injury claim and making this a bigger case than it appears. Justified or not this happens more often than one believes.
Posted on 5/17/17 at 7:32 am to PurpleandGold Motown
How do you know you didn't cause internal damage to the bumper?
Posted on 5/17/17 at 7:42 am to PurpleandGold Motown
quote:
I don't feel comfortable, or able really, to buy her a whole new bumper for a scratch.
Your comfort or ability does not change the fact that if it needs a new bumper, it needs a new bumper. Just repainting a bumper can run north of $1,000 depending on the design of the bumper cover.
Maybe you should park the car and start riding a bike if you're incapable of avoiding accidents and are unwilling to deal with the result of your actions.
This post was edited on 5/17/17 at 7:54 am
Posted on 5/17/17 at 7:45 am to CaptainsWafer
quote:
Will confirm that you hit her rear bumper and pay for the repairs to her car. Be it paint work or a new bumper.
/thread
Posted on 5/17/17 at 8:04 am to PurpleandGold Motown
I do this for a living (insurance claims). She isn't getting that bumper replaced. A bumper replacement means more money, which is going straight to her pocket. My suggestion is turn it over to your insurance and be done with it. She wont get a bumper out of the deal if its that minor and it doesn't put you out of pocket. It may even be prior damage and a decent adjuster should be able to tell.
Posted on 5/17/17 at 8:23 am to PurpleandGold Motown
Exact same thing happened to me. Almost 2 years ago. Zero damage. The guy just took my insurance info (State Farm). No police report. He did it as a precaution.
8 months later, I get a call from State Farm, asking if it happened. I had basically forgotten. Remembered, and told them that it happened, but there was ZERO damage, and I would fight any claim made. They asked me again, simply, did it happen. I said yes. They paid $800+, and then jacked my monthly rates about $50. I have been a customer with them for 20+ years. Accident free. They DGAF. The other driver was an employee of State Farm, fwiw.
Bottom line, you are responsible for any damage claimed, police report or not, damage or not. And never insure any autos with State Farm.
8 months later, I get a call from State Farm, asking if it happened. I had basically forgotten. Remembered, and told them that it happened, but there was ZERO damage, and I would fight any claim made. They asked me again, simply, did it happen. I said yes. They paid $800+, and then jacked my monthly rates about $50. I have been a customer with them for 20+ years. Accident free. They DGAF. The other driver was an employee of State Farm, fwiw.
Bottom line, you are responsible for any damage claimed, police report or not, damage or not. And never insure any autos with State Farm.
Posted on 5/17/17 at 8:27 am to PurpleandGold Motown
My daughter did the same thing merging onto Greenwell Springs road from Airline. No damage at all to the other lady's car other than a little black mark there her bumper rubbed against the other car, but my insurance got taken for $12K due to "soft tissue" injuries. 
Posted on 5/17/17 at 8:55 am to Tchefuncte Tiger
Notify your carrier. If you don't there may be problems, after you get sued and your company uses failure to notify as a defense. Let them worry about it
Posted on 5/17/17 at 9:13 am to PurpleandGold Motown
quote:
There's no police report. She can call my insurance company and they will tell her to pound sand, but I want to do the right thing.
You'd be shocked. A few years ago I was in this exact same situation. Idled into a car in front of me when my foot slipped off the brake at a red light, didn't call police after agreeing no damage, etc. A few days later the lady calls me and says her neck is hurting and wanted me to give a statement to "a friend of hers" that was a police officer. I refused and that was the last I heard of it.
A year or so later when I try to switch insurance companies, they tell me my quotes will be higher than normal because of a $20,000 claim on my previous insurer. Somehow this see you next Tuesday was able to squeeze money out of my insurer with no police report.
This post was edited on 5/17/17 at 9:14 am
Posted on 5/17/17 at 9:14 am to PurpleandGold Motown
She will suddenly develop a catch in her neck and feel a little dizzy.
Posted on 5/17/17 at 9:26 am to PurpleandGold Motown
While I was at LSU I bumped a SUV doing almost the same thing. The car in front of me was turning right like I was, started to go so I looked to see if I was clear but they had stopped and I bumped them. Indian lady gets out the SUV and looks at the bumper with no damage to hers but mine was bent up. She says "you ok?" I say yeah she jumps in a takes off with no info exchanged.
Posted on 5/17/17 at 10:16 am to PurpleandGold Motown
Hope you took a picture of the "damage". If not you know she's going to show up with half her bumper ripped off and blame you for it.
Always take pictures. Always.
Always take pictures. Always.
Posted on 5/17/17 at 10:36 am to PurpleandGold Motown
Screw her. Some people need to learn the hard way.
Posted on 5/17/17 at 10:45 am to PurpleandGold Motown
Called my insurance agent.
He said since neither party filed a police report, my best option is to pay for the minor body work out of pocket.
There's no way they are buying her a new bumper for a scratch.
Don't worry about it.
Thanks for the advice guys.
He said since neither party filed a police report, my best option is to pay for the minor body work out of pocket.
There's no way they are buying her a new bumper for a scratch.
Don't worry about it.
Thanks for the advice guys.
Posted on 5/17/17 at 10:48 am to PurpleandGold Motown
quote:
I'm not obligated to do anything. There's no police report. She can call my insurance company and they will tell her to pound sand,
No they won't. They'll likely assume that she's got a legit claim being that you exchanged information with her. If she calls your insurance, they'll take down her info and her side of the story and then they'll call you to get a statement from you for your side of what happened. In the end, your insurance will end up paying for the necessary repair to her car (whether replacing the bumper or just having a body shop do some minor paint work). If the lady calls your insurance, she'll also probably make up something about her back or neck hurting, so your insurance will offer her a few grand to get her to sign a medical release and make everything go away. You'll end up with an at-fault accident on your driving record and insurance will go up.
ETA:
quote:
He said since neither party filed a police report, my best option is to pay for the minor body work out of pocket.
Solid advice because it will keep it from being a claim (and at-fault accident) on your insurance driving record. But make sure you have her sign something stating that by her accepting XXX dollars from you as payment for repairs, that she agrees this will settle everything and she won't take any further action against you or your insurance company.
This post was edited on 5/17/17 at 10:51 am
Posted on 5/17/17 at 10:51 am to PurpleandGold Motown
You have two logical choices. Either make her whole, or make her hole. Depends on how good your persuasion skills are.
Posted on 5/17/17 at 11:15 am to Tiger Prawn
quote:
If the lady calls your insurance, she'll also probably make up something about her back or neck hurting, so your insurance will offer her a few grand to get her to sign a medical release and make everything go away. You'll end up with an at-fault accident on your driving record and insurance will go up.
This.
I exchanged info with a guy I fender tapped on a Friday (big guy in a full-size pickup) and offered to take care of some scrapes, without involving insurance. He then talked with a few of his buds, and by Monday he had called my insurance co, which ultimately paid to fix his car, plus $3,000 for soft tissue. I'll pay more than that in higher premiums for 3 years. Luckily he didn't get an attorney.
At least 3 coworkers had similar experiences, and one has been sued for $1 million. Bumper to bumper stop and go traffic, didn't notice the person in front had stopped, and tapped the back of the car in front. No damage, no report, and no photos, but they exchanged info. Scammer had one kid in the car. Now 5 plaintiffs (3 more kids that she claimed were also in the car) all claiming bodily injury. Coworker has been through depositions and is paying attorneys out of pocket since the claim is above policy limits, though she has an umbrella policy. Ultimately it will settle but the plaintiff's attorney is sicking the womac/strong arm/whatever TV catchphrase on 'em.
No wonder we have the highest insurance rates in the country.
Page 2 of 2
Popular
Back to top
Follow TigerDroppings for LSU Football News