04-21-2010, 10:43 AM | #18 (permalink) |
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Whenever you have a car accident, call the police. Period. No Exception.
Watch the People's Court w/ Judge Marilyn Milian (what a Babe!), and if you can DVR all episodes, then just fast forward and watch the cases involving a car accident. You'll notice the same trend in all of them: The victim did not call the police, and that's why they're in court. After an Accident, do NOT Move the Vehicle until the police arrive, even if you're in the middle of a lane or intersection. Just Wait. Also, carry a cheap disposable camera in your vehicle at all times. Take 2 pictures of everything (if possible) and another set of pics with your phone. Make sure to snap pics of their License Plate, The Driver, the VIN of the vehicle that hit you, far away pics, close up pics. The more pics the better. If you're capable of moving/talking, do NOT Say anything to anyone (other than a police officer) after an accident. Immediately call the police, then call your insurance company. The legal system is designed to get people off on technicalities and you can't know them all. This is something your insurance company should have already explained to you... I gave this 'pep talk' to all my dealership employees every quarter. Nothing is worse than having a Tech test drive a customer vehicle and get in a car accident... nothing. |
04-21-2010, 01:12 PM | #19 (permalink) |
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The OP said he did call the cops and they filed the report. I think the issue is that the damage is less than the deductable and the insurance company won't pursue a civil case against the other person unless the damage is above a certain dollar amount.
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04-21-2010, 03:18 PM | #20 (permalink) |
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That really sucks man, I hope things work out for you. I know exactly how you feel. The same thing happened to me..1st week some dude backed into me in a big freezer truck. Except he admitted fault, but a few days later, my insurance company said that he said I hit him from behind. There was no way to prove it since I did not get any witnesses...so I ended up paying out of pocket.
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04-21-2010, 03:24 PM | #21 (permalink) |
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if you have uninsured motorist property damage coverage and know who this guy is then your insurance company can fix the damage WITHOUT you paying your deductible.
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04-21-2010, 08:44 PM | #22 (permalink) |
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The most common uninsured motorist coverage is bodily injury. My particular policy has that but doesn't have uninsured motorist property damage which would pay the deductible if you have collision coverage. Whether the insurance company will pony up depends on the OP's type of uninsured motorist coverage. The injury coverage is pretty standard, the property damage is not typically standard since for full coverage it only pays the deductible anyway
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04-22-2010, 06:39 AM | #23 (permalink) |
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I spoke to the office manager at my complex and explained to her the situation and she knows the guy that hit me, he just moved in to my complex, so he is stuck here for at least a year, she told me she couldnt give me his info by law, but i could talk to OPD or the security officer at my complex and she could give then whatever info they needed from the guy and i could get the info from them, i will try to do everything the civil way, and talk to him but if the guy wants to play gives we can do that, i will have all his info, car he drives and apartment he lives in. Even if i have to take him to civil court, i will. I have the police report and the cop told both of us he was at fault (of course my car was parked), i think the damage its more than the 500.00 deductible cuz i need a need rear bumper, rear driver side panel and a new rim.
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04-23-2010, 02:25 PM | #24 (permalink) | |
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