Got rear ended

jaedub · 12-28-2013, 01:34 AM

Sad sad night. I was making a right turn into a Chipotle driveway when all of a sudden a (2003 Honda Accord) lady struck me from behind. She thought I was going straight and fail to notice that I was slowing down to make my turn.

Accident (2).JPG
The impact wasn't exactly a straight on collision. Because I was turning, the hit was angled which is why there is a major scrape.

After exchanging our papers, she called her brother and they both begged me not to go through the insurance. They said they'll cut me a check after I get a quote. The way they were begging seemed a bit suspicious for some reason.

My question is:Should I go through the insurance or have them pay out of their own pocket?

Am I in any risk?

This is my first encounter of an accident so any help/tips are appreciated.

6MT-Z34 · 12-28-2013, 01:38 AM

Always go through insurance and file POLICE REPORT

Masterbeatty · 12-28-2013, 01:41 AM

F that. Go through the insurance, you never know how shady they are. they could disappear and you will be screwed. always cover your arse that way you win. Your insurance company wont raise your rates if it is not your fault. Call them up please.

m4a1mustang · 12-28-2013, 01:45 AM

Definitely go through insurance.

blueranger · 12-28-2013, 01:47 AM

I might trust them if they gave me a decent cash deposit but still take license insurance and plate info.

I had a teenager rear end my SUV once and give me a false name (always demand license and insurance card). Luckily I had a cop friend help me out and contacted the Dad who then paid me in full.

Best of Luck

m4a1mustang · 12-28-2013, 01:55 AM

Quote:

Originally Posted by blueranger

I might trust them if they gave me a decent cash deposit but still take license insurance and plate info.

I had a teenager rear end my SUV once and give me a false name (always demand license and insurance card). Luckily I had a cop friend help me out and contacted the Dad who then paid me in full.

Best of Luck

Same exact thing happened to my sister. Teenage girl rear-ended her and gave false information, but luckily we had enough information and a pretty badass cop to track her down.

I don't trust anyone enough to let them pay out of pocket. Even if it's a small scuff... unless you're going to give me more than sufficient cash on the spot we are going through insurance!

kfull · 12-28-2013, 02:09 AM

go through insurance for sure. It's also best to get the cops on the scene anytime you are in an accident so that they can have a record of everything/everyones info. I got hit by someone about a year ago and it was 100% their fault, went through insurance of course and everything was taken care of. Only thing I didn't do which I should of was called the police right then and there..It kinda held things up for me for a while but everything was taken care of in the end.

shaun66 · 12-28-2013, 02:14 AM

I was in the same situation they wanted to pay out of pocket, but as soon as they received the quote for repairs they tried saying it was my my fault! Go through insurance, people are shady and it's not worth your time.

cv129 · 12-28-2013, 02:14 AM

Don't see any mention of a police report? Establishing facts is important after an accident, and there will be no reason for them to admit guilt without an impartial third party holding them accountable. This alone puts you at risk. The way your damage looks, they can even come back and say you cut into her lane and caused the accident.

Go through insurance. Period.

IF IF IF you must accept funds privately, make sure the repair quote is final, and that you are with a reputable shop, and that it's certified funds (cashier check). Do not accept personal check. If cash, well, make sure they aren't fake bills. At the money exchange, tie up loose end with signed documents detailing the accident and what the money is for.

jaedub · 12-28-2013, 02:43 AM

Thanks guys. I really do think insurance is the way to go. I already called my insurance company. Hopefully everything gets sorted without any hiccups.

Wonka2581 · 12-28-2013, 03:10 AM

You should have filed a report, insurance might really question what happend and not want to pay...

axmea? · 12-28-2013, 03:23 AM

Your insurance will require you to file a report. For that damage, get your insurance involved.

2004YZFR1 · 12-28-2013, 03:51 AM

Always go through the insurance company. I don't care how much they beg, there are way to many scammers out in the world. Good luck with your Z, It could have been a lot worst.

onzedge · 12-28-2013, 07:40 AM

Quote:

Originally Posted by 6MT-Z34

Always go through insurance and file POLICE REPORT

onzedge · 12-28-2013, 07:40 AM

Did you have your turn signal on?

12-28-2013, 01:34 AM	#1 (permalink)
jaedub Track Member Join Date: Aug 2010 Location: Los Angeles Posts: 906 Drives: 2010 Black 370Z MT Rep Power: 305	Got rear ended Sad sad night. I was making a right turn into a Chipotle driveway when all of a sudden a (2003 Honda Accord) lady struck me from behind. She thought I was going straight and fail to notice that I was slowing down to make my turn. Accident (2).JPG The impact wasn't exactly a straight on collision. Because I was turning, the hit was angled which is why there is a major scrape. After exchanging our papers, she called her brother and they both begged me not to go through the insurance. They said they'll cut me a check after I get a quote. The way they were begging seemed a bit suspicious for some reason. My question is:Should I go through the insurance or have them pay out of their own pocket? Am I in any risk? This is my first encounter of an accident so any help/tips are appreciated.

12-28-2013, 01:38 AM	#2 (permalink)
6MT-Z34 A True Z Fanatic Join Date: Jan 2013 Location: NJ Posts: 1,726 Drives: PW Z Rep Power: 15	Always go through insurance and file POLICE REPORT IDZRVIT, Trips, Niche79 and 13 others like this.

12-28-2013, 01:41 AM	#3 (permalink)
Masterbeatty A True Z Fanatic Join Date: May 2012 Location: Whales Vagina Posts: 4,586 Drives: the speed limit... Rep Power: 122867	F that. Go through the insurance, you never know how shady they are. they could disappear and you will be screwed. always cover your arse that way you win. Your insurance company wont raise your rates if it is not your fault. Call them up please. MightyBobo, IMWEZL, Trips and 5 others like this. __________________ 2011 MB 6MT Masterbeatty journal

12-28-2013, 01:45 AM	#4 (permalink)
m4a1mustang A True Z Fanatic Join Date: Feb 2009 Location: Northern VA Posts: 55,385 Drives: on two wheels Rep Power: 6962	Definitely go through insurance. Trips, jaedub and damian_mb like this. __________________ - Steve Zs & Coffee - Saturdays at 10AM in Fairfax, VA and Columbia, MD (Click the banner!) LIKE us on Facebook!

12-28-2013, 01:47 AM	#5 (permalink)
blueranger Track Member Join Date: Aug 2012 Location: Albuquerque NM Posts: 577 Drives: 2010 Roadster 7AT Rep Power: 307	I might trust them if they gave me a decent cash deposit but still take license insurance and plate info. I had a teenager rear end my SUV once and give me a false name (always demand license and insurance card). Luckily I had a cop friend help me out and contacted the Dad who then paid me in full. Best of Luck __________________ F.I. Stage 1 Twin Turbo #48 \| E85 FlexFuel \| Built 7AT \| F.I. 34 Row Oil Cooler \| F.I. Flex Plate \| F.I. 19 row Trans Cooler \| MT ET Street S/S \| ECUTEK Tuned by Seb \| RPM Roll Bar

12-28-2013, 02:09 AM	#7 (permalink)
kfull Track Member Join Date: Mar 2012 Location: Massachusetts Posts: 909 Drives: A lot Rep Power: 14	go through insurance for sure. It's also best to get the cops on the scene anytime you are in an accident so that they can have a record of everything/everyones info. I got hit by someone about a year ago and it was 100% their fault, went through insurance of course and everything was taken care of. Only thing I didn't do which I should of was called the police right then and there..It kinda held things up for me for a while but everything was taken care of in the end. __________________ 2012 GM 6MT sports package \| FI non res cf exhaust \| K&N Drop Ins \| Viper 3303 security system w/ tilt sensor \| GTR start button \| 35% rear 45% side window tint \| Michelin PSS

12-28-2013, 02:14 AM	#8 (permalink)
shaun66 Track Member Join Date: Mar 2010 Location: n Posts: 837 Drives: MB 370z 7AT Rep Power: 16	I was in the same situation they wanted to pay out of pocket, but as soon as they received the quote for repairs they tried saying it was my my fault! Go through insurance, people are shady and it's not worth your time.

12-28-2013, 02:14 AM	#9 (permalink)
cv129 A True Z Fanatic Join Date: Jul 2011 Location: Dallas, TX Posts: 3,222 Drives: 09 Nismo, 16 Nismo Rep Power: 163995	Don't see any mention of a police report? Establishing facts is important after an accident, and there will be no reason for them to admit guilt without an impartial third party holding them accountable. This alone puts you at risk. The way your damage looks, they can even come back and say you cut into her lane and caused the accident. Go through insurance. Period. IF IF IF you must accept funds privately, make sure the repair quote is final, and that you are with a reputable shop, and that it's certified funds (cashier check). Do not accept personal check. If cash, well, make sure they aren't fake bills. At the money exchange, tie up loose end with signed documents detailing the accident and what the money is for. __________________ Setrab \| RE-71 \| SPL \| JRZ \| Nismo \| ARK \| Whiteline \| RacingBrake \| CJM Oil Pan \| Ti shield Last edited by cv129; 12-28-2013 at 02:21 AM.

12-28-2013, 02:43 AM	#10 (permalink)
jaedub Track Member Join Date: Aug 2010 Location: Los Angeles Posts: 906 Drives: 2010 Black 370Z MT Rep Power: 305	Thanks guys. I really do think insurance is the way to go. I already called my insurance company. Hopefully everything gets sorted without any hiccups.

12-28-2013, 03:10 AM	#11 (permalink)
Wonka2581 A True Z Fanatic Join Date: Nov 2012 Location: Chattanooga, TN Posts: 3,083 Drives: MY WIFE CRAZY.... Rep Power: 2612	You should have filed a report, insurance might really question what happend and not want to pay... __________________ "I have nothing to offer but blood, toil, tears and sweat""Winston Churchill"

12-28-2013, 03:23 AM	#12 (permalink)
axmea? A True Z Fanatic Join Date: Apr 2012 Location: SoCal Posts: 6,235 Drives: WELL ZED PW 6MT Rep Power: 53241	Your insurance will require you to file a report. For that damage, get your insurance involved. __________________ >MyZ's Album< NISMO Convert/ECUTEK/Takeda CAI/F.I. HFC NR CB Carbon/F.I. 34 Row Oil Cooler/4.08 Final Drive /Powertrix+Swifts/Hotchkis/SPL/Whiteline/TWM/Zoom Engineering/EVO-R/AeroJacket Vented CF Fenders + CF Spoiler/Avant Garde-WORK/NST/Morimoto Halo/STi Clear Lenses/Carbon Signal Automotive/RJM Performance/ZSpeed Clutch Flywheel CSC delete

12-28-2013, 03:51 AM	#13 (permalink)
2004YZFR1 Enthusiast Member Join Date: Apr 2010 Location: Las Vegas Nevada Posts: 308 Drives: 09 370Z yellow,auto Rep Power: 15	Always go through the insurance company. I don't care how much they beg, there are way to many scammers out in the world. Good luck with your Z, It could have been a lot worst. gurneyeagle and Ghostvette like this. __________________ K & N Filters \| HPS silicone air intakes\| Fast Intentions CBE with 18" resonators \|

12-28-2013, 07:40 AM	#15 (permalink)
onzedge A True Z Fanatic Join Date: Apr 2010 Location: Battle Lake MN Age: 64 Posts: 183,964 Drives: 370Z 240Z Rep Power: 2684736	Did you have your turn signal on? DIGItonium, Footloose301 and gurneyeagle like this. __________________ Koni\|Swift\|Michelin\|Motordyne\|Berk\|RJM Performance\|Gates\|SPL\|Motul\|Technafit\|Ate Super Blue\|Hawk Tommy Kaira\|Momo\|Optima\|Hella\|Hotchkis\|Red Line\|ZSpeed\|Stillen\|B&M\|H&R

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