Minor car accident

[Anonymous]

Today I got in a minor car accident. It was my fault. There was no damage to my vehicle but the person I hit had a scratch. I asked if I could just pay her out of pocket instead of going through insurance. She said no.

When something like this happens does your insurance force you to go through them. It seems like it would be much cheaper for me to just pay to have it buffed.

[Anonymous]

You don't know the internal damage

[Anonymous]

Anonymous wrote:You don't know the internal damage

There is no internal damage. It was a small side swipe with my mirror while moving slowly. There is 6 inch scratch on the side of her door.

[Anonymous]

It's the other person's choice. Hope you took pictures.

[Anonymous]

I would be hesitant if I were them. I would rather deal with a company then a stranger. You might be a hassle to get $ from.

[Anonymous]

Anonymous wrote:I would be hesitant if I were them. I would rather deal with a company than a stranger. You might be a hassle to get $ from.

Huh? I’m not looking for any $. I’m offering to pay her. My car has no damage

[Anonymous]

It's the injured party's choice.

We've had this happen thrice (DW is a good driver, but unlucky I suppose). We get an estimate then I email the person and ask if they want to pay us that amount, or just have us file with their insurance. The answer has varied.

[Anonymous]

Because you think I should get it cheaply “buffed out” and I want it to be returned to the same condition it was before the damage. When I tell you that’s $500 you’re going to get mad and negotiate and I’m going to have to go to your insurance anyway. So I’ll just start there.

[Anonymous]

You don’t know there’s no internal damage, or secondary damage. I was slid into during an ice storm, not at super fast speeds, either, there was no damage, so we all left. Later when I got to work and went to retrieve my laptop out of the back, I realized that the rear passenger door on that side wouldn’t open. The impact made it all the way to the latch mechanism on the door.

[Anonymous]

You also don’t know if the other driver has “internal damage” and that she will rightly or wrongly claim later … like whiplash.

[Anonymous]

Anonymous wrote:Because you think I should get it cheaply “buffed out” and I want it to be returned to the same condition it was before the damage. When I tell you that’s $500 you’re going to get mad and negotiate and I’m going to have to go to your insurance anyway. So I’ll just start there.

people like you are what’s wrong with society. Why do so many people assume the worst about their neighbor? $5oo is nothing compared to many people’s insurance deductibles and surcharges. Why makes someone pay all that extra money for nothing if they offered to work it out?

You simply go get your car checked out and get and estimate. If they don’t want to pay you take it to insurance. But why assume they will be uncooperative. Americans need to be more positive and loving other neighbors.

[Anonymous]

Anonymous wrote:It's the injured party's choice.

We've had this happen thrice (DW is a good driver, but unlucky I suppose). We get an estimate then I email the person and ask if they want to pay us that amount, or just have us file with their insurance. The answer has varied.

this is the way

[Anonymous]

Anonymous wrote:You also don’t know if the other driver has “internal damage” and that she will rightly or wrongly claim later … like whiplash.

She may still go to the doctors...

[Anonymous]

You know what would be even less? Paying attention and not effing up other people's cars. That costs nothing. But since you choose not to do that, she gets to decide how to this gets remedied.

[Anonymous]

Yeah it could be either that she doesn’t trust you, wants to get the car checked out or wants to use insurance so she doesn’t get screwed… OR she wants to see how much $$$ she can get out of this by visiting a chiropractor and claiming injury.

There’s a lot of problematic chiropractors out there who will tell insurance the person needs a ton of medical assistance and then the chiropractor takes a cut, the person takes the rest. A lot of lower class folks even brag about how they made money from a fender bender.