Car Accident Advice: Someone hit me and doesn't want to go thru insurance?
Someone recently hit my car while it was parked across the street from my house. I almost thought it was a hit and run till I found their business card on my windsheild. I called her and she said she'd rather not go through her insurance but pay me directly for the damage to my car. I have been in accidents where I was hit but usually the other person just gives me their insurance info and I call them and get my car fixed fast, no problems. So I was already a little hesitant about agreeing to this, but I figured as long as it gets fixed it should be alright. So I did like she said and got an estimate from a body shop, then called her with it. Right off she said, Oh thats really high,(almost a 1000) and I reminded her that the damage is pretty severe, she backed into my rear passenger door, now entirely dented and scratched up. I know the estimate is fair compared to other work I 've had in the past. So anyways, I thought she'd decide right there like she had told me before, if it was affordable for her she'd pay me if not she'll go through her insurance. So since she acted like that was so much money I asked well does that mean you want to just use your insurance? She still sounded unsure and said she needs to figure this out. So it's been another day since that, still waiting, she did call again and say she's running it by her insurance agent to see which way would be better for her, insurance or pay me off. So I am still waiting, it's only been a few days since the accident but I am getting anxious because I kind of wish she would just give me her insurance info and go through it, my car would probably be in the shop already and this would be taken care of. But instead I 'm waiting for her. She still has not given me her insurance info, I don't have her license plate # or even what her car looks like, just a business card. And its a big inconvenience because I know I will be without a car for a at least 2-3 days, and even if she pays me she sure didn't mention a rental car. So my question is am I being too nice by waiting for her to decide whats best for her... and even if she wants to pay me should I have gotten her insurance info, like is that my legal right. So how long should I wait for her to decide?? Any advice would be greatly appreciated as obviously I should act fast. Thanks
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You must contact your insurance company ASAP !!! She may be setting you up for a lawsuit, or just about anything – she is being very fishy !!!!
have you got their address? if you do then go and get your car fixed and have the body shop bill them for it. i would,nt wait on her. i would just tell her i was going to get my car fixed and bill her.
Happy Gramps is right–you need to report the accident to your insurance company. You might also want to file a police or DMV repor (with your insurance verified)t, since the dollar amount may exceed the state reporting limit; this will give you a good "lever" on the other driver, since if she doesn’t file a matching report, her license may be suspended.
Your insurer has resources and experience that you don’t have, and that’s what you’re paying for.
The others are right, report this to your insurance ASAP. Let them deal with her. If you have collision coverage, they will take care of you and go after her. She’s playing games with you.
Do you have collision coverage with your own insurance? If you do, I would just use your own policy for the repairs. Let your insurance company collect the money back from her directly. After all, its what you pay them for.
If you don’t have collision coverage, or you don’t want to use your own policy, then call this lady right away and demand her insurance information. Who is to say that she pays you the money for the repairs, you take the car into the shop, and then they find more damage and she refuses to pay for it?
Tell her that she has until XX time to give you her insurance information, and if she doesnt provide it, you are going to call the police and report her as a hit and run. Even if you do not have her plate # or vehicle info, you can still report the accident to the police and get a report filed. The police would then contact her and obtain her vehicle information and her insurance information as well.
Hope this helps!
You should have called the police when this happened. They would follow up and get the other party’s insurance information. You are being too nice and are setting yourself up to get screwed.
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