Someone hit my car and won't provide a copy of their insurance card

[Anonymous]

My car was parked in a parking lot. When I returned, a person was writing a note. I was in a hurry, so I fault myself in that because I was stupid for not requesting a copy of their insurance card. But the note had the person's name, cell phone, insurance name and admission of guilt (I accidentally hit your car while parking...). We texted, person asked for an estimate to see if less than the deductible. I got an estimate, very pricey, it is a new car, with tons of sensors and specialty paint. Person thought it was too much and was going to speak with her insurance. It has been two weeks and now person is giving excuses about a personal matter that won't allow her to deal with this until the 19th???? All I need is a pic front and back of her insurance card and I've made that request clear in two emails. Now she is not replying to my emails. Is there anything else I should do? How do I get her insurance to pay? I have her full name, email, cell, and insurance name (but not the policy number since I don't have a copy of her card), note she left admitting guilt, texts admitting she hit my car.

I'm getting frustrated, any suggestion would be helpful.

[Anonymous]

Just work with your insurance

[Anonymous]

turn it all over to your insurance co and let them deal with it.

[Anonymous]

Will my premium go up???

[Anonymous]

You should never have emailed them directly, should have called the cops as soon as it happened. Your insurance should handle everything.

[Anonymous]

Police won’t get involved if the car is drivable

[Anonymous]

Anonymous wrote:You should never have emailed them directly, should have called the cops as soon as it happened. Your insurance should handle everything.

Why call the cops right away? People should be able to deal directly with each other. Unfortunately it sounds like the other person is trying to get away from taking responsibility for what they did, but that doesn't always happen. We can't call the police for everything.

[Anonymous]

Anonymous wrote:turn it all over to your insurance co and let them deal with it.

This. It's unlikely your premium will go up if the "perp" is insured and admitted guilt. Don't contact her again. Hand it all over to insurance ASAP (any more time between the accident and the investigation will raise issues as to the actual extent of damage her hit made vs. you might have been hit by others between then and now). They will take care of it.

[Anonymous]

It is the job of your own insurance company to go after them. You should never have to speak with the other driver again. Give all the info to your own insurance company and let them handle the dirty work. Trust me, if the person has insurance then the information is on record and your insurance company has access to it.

[Anonymous]

Anonymous wrote:Will my premium go up???

It shouldn't because you weren't at fault. However, if this happens to you frequently then your insurance company might decide you live in an unsafe area and that could raise your premiums. One incident won't make that happen, though.

[Anonymous]

Anonymous wrote:

Anonymous wrote:You should never have emailed them directly, should have called the cops as soon as it happened. Your insurance should handle everything.

Why call the cops right away? People should be able to deal directly with each other. Unfortunately it sounds like the other person is trying to get away from taking responsibility for what they did, but that doesn't always happen. We can't call the police for everything.

If someone won’t give you complete insurance information you definitely call the cops. Insurance has much easier time when there’s a police report. That’s part of the job of the police, if we can’t expect them to do their jobs then we need to hire more that can.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:You should never have emailed them directly, should have called the cops as soon as it happened. Your insurance should handle everything.

Why call the cops right away? People should be able to deal directly with each other. Unfortunately it sounds like the other person is trying to get away from taking responsibility for what they did, but that doesn't always happen. We can't call the police for everything.

If someone won’t give you complete insurance information you definitely call the cops. Insurance has much easier time when there’s a police report. That’s part of the job of the police, if we can’t expect them to do their jobs then we need to hire more that can.

DP. Police generally won’t respond to fender benders in private parking lots, so this probably is a moot point in OP’s case. But that means it’s all the more important for the people involved to take photos at the scene to document the circumstances and damage.

[Anonymous]

Anonymous wrote:

Anonymous wrote:You should never have emailed them directly, should have called the cops as soon as it happened. Your insurance should handle everything.

Why call the cops right away? People should be able to deal directly with each other. Unfortunately it sounds like the other person is trying to get away from taking responsibility for what they did, but that doesn't always happen. We can't call the police for everything.

The insurance company will want a police report, probably.

In these cases, though, a police report isn’t much. They’d have you call it in, take down a few details, then give you a reference number. They’re not going to investigate at all. They know it's just a formality for the insurance company. I assume it is mostly to make lying about it a criminal offense, instead of just a civil offense.

[Anonymous]

For future reference ALWAYS take a quick pic of the other person's car including the license plate and pics of their DL, insurance card and anything else that seems relevant. If there are witnesses, do the same with their info. You may not be in the right frame of mind after an accident, even if it is a fender bender in a parking lot, but you will sure be glad you remembered this later.

A friend of mine was bumped by a car behind her at a light, the other person gave her info which she saved but did not have their license plate. They both drove off and she found out later all the info was false.

[Anonymous]

Anonymous wrote:You should never have emailed them directly, should have called the cops as soon as it happened. Your insurance should handle everything.

you do not call the cops for every single accident. OP send one more email saying if you don’t hear back in 24 hours you will be contacting your insurance. Then give your insurance all the info you have if the time passes. - Police Dispatcher