Reply to Fender bender today-how to handle from here?

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]I always wonder this too. So should op call their insurance company and speak with customer service to make them aware or just wait it out until his insurance reaches out and then insurance company calls op? I feel like I am not sure a proactive call by op to insurance company needs to happen as that may count against them in future insurance costs/claims [/quote]
Something similar happened to me last year. Minor bump, no visible damage, exchanged information. I did not call my insurance because I didn’t plan on filing a claim. My insurance called about 8 months later wanting information about the incident, as the driver was looking to get reimbursed for having their car evaluated. They said I should have called the day it happened. Never heard a peep about it again after that. If you know the other driver is going to file a claim I would notify your insurance. [/quote]

There is no right answer.

Meaning if you call your insurance and guy decides not to file a claim you are screwed. My daughter (new driver) slightly bumped a women's bumper with a new Mercedes. She was in my car and she called my  insurance company reported it. I was mad.

Anyhow the women contacts me and says I can get bumper buffed out at dealer for $350 so I rather you just pay me than have my Mercedes tagged on Carfax as in an accident. I call Geico and they tell me even if I cancel claim I am charged with an at fault accident.

I contact women and she was mad as she wanted me to pay her $350. I said I cant as my insurance going up as daughter called. I then said if you call your or my insurance you will be listed as a not-at fault accident which may raise your rate at renewal and car will be tagged by carfax. In end my insurance never paid out and my rates went up.

Funny part is Geico had no picture other car, they asked me picture of my car and my car had zero mark on it. Geico said we might have not paid anyhow. How did your daughter his somene and not a mark on her car. My car was a little tiny Chevy and her was a Mercedes SUV. He had a point.

Roll the dice do nothing or call. Either way a dice roll.

[/quote]

Your daughter hit another car.  Stop minimizing it.[/quote]

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