I broke off someone's car mirror.

[Anonymous]

I annihilated someone's rear-view mirror today. I was able to find some scratch paper, a pen, and a plastic bag to put the note in since it was pouring. I left an apology and my number.

Is this something that I should do through my insurance? Or an out of pocket thing? I've never had any sort of accident before and I'm not sure what to expect.

[Anonymous]

Did you take the whole side mirror off or just the glass?

[Anonymous]

I would do out of pocket personally. Even the electric mirrors are probably less than your deductible

[Anonymous]

Anonymous wrote:Did you take the whole side mirror off or just the glass?

The mirror was still attached to the car, but the glass plate had fallen off, as had the outer casing. I put those both on the windshield next to my note.

[Anonymous]

Anonymous wrote:I would do out of pocket personally. Even the electric mirrors are probably less than your deductible

Does it ever happen that you pay them, and then they claim you never did?

[Anonymous]

Aren't you supposed to call the police?

[Anonymous]

If it's an electric mirror and sort of fancy, it'll be upwards of $500. Ours was $700, but I did it to myself. I claimed it, since it's the reason I have insurance. They don't care about little oopses.

[Anonymous]

Anonymous wrote:

Anonymous wrote:I would do out of pocket personally. Even the electric mirrors are probably less than your deductible

Does it ever happen that you pay them, and then they claim you never did?

I am the PP. I did this and wrote on the check what it was for. Don't do cash. Or you could pay the car place directly and get a detailed receipt.

[Anonymous]

Anonymous wrote:Aren't you supposed to call the police?

Dear God no. You are required to leave a note with your info.

[Anonymous]

Anonymous wrote:Aren't you supposed to call the police?

OP here and it didn't occur to me to do that. I hate that you can't call the police in DC without calling 911.

[Anonymous]

Anonymous wrote:Aren't you supposed to call the police?

Not for minor property damage. In most cases they will tell you to handle it yourself by leaving a note like OP did or call insurance company..

[Anonymous]

I did this in DC a couple years ago. I left a note. She said it was $300. I paid and it was all good.

[Anonymous]

Anonymous wrote:

Anonymous wrote:Aren't you supposed to call the police?

OP here and it didn't occur to me to do that. I hate that you can't call the police in DC without calling 911.

I am a Police dispatcher. You did the right thing OP. YOu do not need a Police report for this, you just leave a note with your info.

[Anonymous]

I did the same thing a few years ago. I left a note with my first name and cell number. Then when the person called me, I took their information down and then called my insurance and explained what happened. Geico handled it from there. I didn't pay a dime, no issues with my rates, nothing. I didn't even need to call the person back.

[Anonymous]

Anonymous wrote:

Anonymous wrote:Aren't you supposed to call the police?

Dear God no. You are required to leave a note with your info.

Exactly. The police have much better things to do.