Accident- what to do

[Anonymous]

Anonymous wrote:Op, its a scam. When I had some hit me they asked to pay out of pocket. I got a few estimates, went with the cheapest, they went to the shop to pay, got the car fixed, done. I'd ask for proof your child did it and ask for pictures of the damage/cars involved and then tell them to talk to your insurance.

I did tell him point blank I am not paying without a written estimate and only paying reputable body shop of his choice directly. He called me basically dishonest. Among a few other words. I then said I want car fixed 100 percent Right and want proof fixed in case insurance wants proof. Last I heard he said pay up or your insurance goes up.

He said cash or check only. No receipt. He added your cash check is proof enough. I felt bad at first. But after I left something felt funny.

What stinks is I have an accident on my policy over this nonsense. I did call my insurance and “off the record” said don’t pay him. He can turn around and still file a claim.

They also told me pay direct and make him agree to with draw the claim and say no accident. To remove accident he needs to withdraw.

Honestly if he really wanted car fixed why not bring it I was going to pay. I am not 100 percent sure he will get paid my insurance months later. Even more so he admitted car was in an accident and in shop a few weeks after this accident.

I am worried my insurance will deny. My car has zero damage. Literally not a mark. I am afraid this guy will start up again in a few weeks. He never gave address if he did I drive over to see if car in driveway.

[Anonymous]

I am it sure how you feel like you are a victim here. The accident was your uninsured kids fault. Yeah the actual victim seems sketchy but the main issues are your kid hit the car and you were not insuring her.

[Anonymous]

Anonymous wrote:I am it sure how you feel like you are a victim here. The accident was your uninsured kids fault. Yeah the actual victim seems sketchy but the main issues are your kid hit the car and you were not insuring her.

OP I agree. But a little dramatic to use word victim, I just want this to disappear.

When reported my insurance told him no one by that name on policy. Which means he will still get paid eventually. Just easier if I pay as less drama.

He also keeps playing the my rates will go up. But day he called I got tagged and my policy was about to renew and got hit with a $1,000
a year hike in insurance!! Over a $1,000 parking lot ding with no pay out

Which is why I switched insurance and still got a $500 hike.

Final kicker that makes no sense he gets tagged on car fax with a car accident on vehicle. And some insurance adds not at fault accidents into insurance calculation. He is also risking Higher rates plus a second car fax accident on his car by using insurance.

My kid one more accident I am pulling off my policy and taking back car.

How minor is this. Some foreign small suvs have this cheap black plastic thing around wheel. It is that thing. Hence zero damage my car. We are not talking a big thing. But you do need to replace and a few scuffs. Honestly, I had same thing my car years ago bought plastic part off eBay and fixed my self, except in my case the person who hit my parked car did not leave a note or ring my bell as car in front of my house.

[Anonymous]

Considering you added a young driver with a recent issue to your policy, $500 is really not much at all. The way to make it go away is just to let insurance handle it.

[Anonymous]

Anonymous wrote:Considering you added a young driver with a recent issue to your policy, $500 is really not much at all. The way to make it go away is just to let insurance handle it.

I guessed at $500. My other kid two months earlier who was on policy had an accident. My policy was going up for that at renewal. But when second kid had this minor thing before renewal and he called my insurance was two accidents in 60 days. My insurance company refused to add the kid in this accident to policy. I removed older kid from policy as she just graduated college and moved out of state. My old insurance even with just me and wife accident free still had a hike. But I was forced to leave. I needed to add second kid to policy but my old insurance company refused.

Most companies For someone under 21 with an accident straight up deny. I was quoted $5,200 hours at Farmers! Liberty was $3,800. Eire and Geico did not even bother with quote.

So my old company is dealing with this. I highly doubt he wants to go through his insurance given he had an accident right after this accident and he will enter two claims 60 days. But my old insurance wants to see the car and apparently he is refusing to bring car in.

I am out I guess. But my daughter this crap will follow her for 3-5 years.

Older drivers don’t realize the crap a under 21 driver gets when even a scratch gets reported. Plus tied to parents policy and effects siblings policy. My younger kid unhappy as this is impacting them getting a license as adding a teen to this mess is a nightmare. My old insurance company said older drivers often scam young drivers to get big payouts with threats of reporting claim. The kids or parents pay as their rates will skyrocket.

Is what it is.

[Anonymous]

Anonymous wrote:

Anonymous wrote:Considering you added a young driver with a recent issue to your policy, $500 is really not much at all. The way to make it go away is just to let insurance handle it.

I guessed at $500. My other kid two months earlier who was on policy had an accident. My policy was going up for that at renewal. But when second kid had this minor thing before renewal and he called my insurance was two accidents in 60 days. My insurance company refused to add the kid in this accident to policy. I removed older kid from policy as she just graduated college and moved out of state. My old insurance even with just me and wife accident free still had a hike. But I was forced to leave. I needed to add second kid to policy but my old insurance company refused.

Most companies For someone under 21 with an accident straight up deny. I was quoted $5,200 hours at Farmers! Liberty was $3,800. Eire and Geico did not even bother with quote.

So my old company is dealing with this. I highly doubt he wants to go through his insurance given he had an accident right after this accident and he will enter two claims 60 days. But my old insurance wants to see the car and apparently he is refusing to bring car in.

I am out I guess. But my daughter this crap will follow her for 3-5 years.

Older drivers don’t realize the crap a under 21 driver gets when even a scratch gets reported. Plus tied to parents policy and effects siblings policy. My younger kid unhappy as this is impacting them getting a license as adding a teen to this mess is a nightmare. My old insurance company said older drivers often scam young drivers to get big payouts with threats of reporting claim. The kids or parents pay as their rates will skyrocket.

Is what it is.

It’s not a scam that insurance is going up. You’re trying to shift the blame. Your daughter caused the problem and the other driver had every right to report it and he made whole. She raised a major amount of inconvenience to that man’s life due to careless behavior.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Considering you added a young driver with a recent issue to your policy, $500 is really not much at all. The way to make it go away is just to let insurance handle it.

I guessed at $500. My other kid two months earlier who was on policy had an accident. My policy was going up for that at renewal. But when second kid had this minor thing before renewal and he called my insurance was two accidents in 60 days. My insurance company refused to add the kid in this accident to policy. I removed older kid from policy as she just graduated college and moved out of state. My old insurance even with just me and wife accident free still had a hike. But I was forced to leave. I needed to add second kid to policy but my old insurance company refused.

Most companies For someone under 21 with an accident straight up deny. I was quoted $5,200 hours at Farmers! Liberty was $3,800. Eire and Geico did not even bother with quote.

So my old company is dealing with this. I highly doubt he wants to go through his insurance given he had an accident right after this accident and he will enter two claims 60 days. But my old insurance wants to see the car and apparently he is refusing to bring car in.

I am out I guess. But my daughter this crap will follow her for 3-5 years.

Older drivers don’t realize the crap a under 21 driver gets when even a scratch gets reported. Plus tied to parents policy and effects siblings policy. My younger kid unhappy as this is impacting them getting a license as adding a teen to this mess is a nightmare. My old insurance company said older drivers often scam young drivers to get big payouts with threats of reporting claim. The kids or parents pay as their rates will skyrocket.

Is what it is.

It’s not a scam that insurance is going up. You’re trying to shift the blame. Your daughter caused the problem and the other driver had every right to report it and he made whole. She raised a major amount of inconvenience to that man’s life due to careless behavior.

OP I guess. But in college when I was around same age I did a minor scrape on a car of all placed at a red light. I was so tired from full time college, working a full time job I just slightly scraped the guy.

He got out mad, saw I was a kid in an older car and said I bet you are broke and exhausted I said yes. Coming home from work at 10 pm after full day of school. He said screw it don’t worry won’t jam you up. He did me a solid. I recall he had a nice BMW in a suit around 40. I guess he was like me 20 years earlier.

In this case a scam as guy is blackmailing me as he has no intention of fixing car and knows a 20 year old driver rates will skyrocket.

He should have gone through insurance OR let me pay. To be honest I would have let kid slide or just told Dad order me plastic replacement part and we are good. Jamming up a kid is not nice.

And this guy is a PhD and the car is 8 years old. I moved on to deal with higher rates. But what lesson was learned? I guess just drive away like everyone else.