Reply to Car Accident - Car Insurance Question

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Disagree. I would notify my insurance company at a minimum. [/quote]

There is zero reason to call his insurance co.
There would be a very big conflict of interest there too.[/quote]

This is stupid.  If you call your own insurance company and tell them what happened, they'll probably just tell you to call his anyway.  His insurance is responsible for fixing the damage to the bumper.  Even dumber is the fact that guy (gal?) wants you to use insurance at all.  Fixing a bumper is a few hundred bucks and it's almost certainly better for him to pay it out of pocket and not have his insurance company involved.[/quote]

Not necessarily a few hundred. Someone rear ended me, and I have three pieces to my bumper They all had to be replaced and repainted. Cost about $1200 and three days which I needed a rental car for. [/quote]

I definitely wouldn't count on it being "just a few hundred."  When I got rear-ended, the adjuster estimated damages based on what he could see on a visual inspection.  Once the body shop got the bumper and rear panel off it turned out that there was an additional $1500 worth of damage that you couldn't see from the outside.  And because of the need for a second visit by the adjuster, who couldn't get there right away, combined with the additional work required, I ended up with a rental for seven weeks.  We couldn't have known any of that in advance, and no way would I have trusted the driver who hit me to pay any of that out of pocket once we found out.  As it turned out, she and I had the same insurance company so we both spoke to them and were assigned separate representatives, who worked together to officially determine fault before that person's rep took over the remainder of the process.  [/quote]

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