GOT HIT!! Need Advice...Insurance people come in!

[zerooath]

Ok so yesterday I was leaving school and the only way to leave my school is to go down this one long road that everybody takes and its usually bumper to bumper at some points but clears up very quick.

It was me and 2 of my friends riding in my car and we're going down the street and this truck ahead of me stops so I begin to stop. Almost as soon as I come to a complete stop I hear tires squeal and then BOOM. As it turns out a 16 year old girl (who i knew) slames into the back of my s14.

I get out of my car and so do my friends and she follows. Nobody is hurt but my car is kinda messed up. When she hit me it caused my car to run into the big ass truck ahead of me and does some bumper damage. My Navan bumper is dented in but none of the lights are broken or headlights and also my hood is a lil fucked up. Then as I go around the back of the car i see the rear end is pretty damn screwed up...I dont have pictures but its definetly messed up but I've seen a lot worse that have been fixed before.

Anyways we call the cops and they tell us we can pick up a copy of the report next monday or tuesday. The girl admitted it was all her fault to the cop and that sorda stuff.

We both have insurance I'm guessing she has full coverage but I only have liability. Her dad owns a tow truck business and towes my car to his place to be looked at by his insurance company and so on.

Well today the girls mom calls my mom and says they do not want to claim it on their insurance and is willing to give us $1500. Well I KNOW for a FACT the damages will cost more than that to fix so now im in a pickle what should I do?

Should I claim it on my insurance? I only have liability though and the accident was nowhere near my fault so will my insurance pay for the damages? Should the girls parents claim it on theirs since it was her fault?

Also If I claim it will it make my insurance go up? I know sometimes it will make it go up even if its not your fault but what are the conditions?

Thanks for any advice this really sucks. Also this is her first wreck and its my 2nd, my first wreck was my fault but this one was not.

:ugh: :ugh: :ugh: :ugh:

[zerooath]

Also forgot to mention but after I was hit tried to start the car but would not start. Also the transmission locked up and will not go into any gear just stays in neutral.

My friend helped me push it and the car, even though in neutral, would only move when the clutch was pushed down.

[Havok]

Since you only have liability your insurance won't fix anything from your car. Liability only covers the damages you cause to others. So the girl that hit you needs to report it to their insurance company and since she has full coverage her insurance should cover both of you.

[Jonnie Fraz]

It is not her decision to claim it on her inshurance...It is yours. If they do not want to give you enough money to not report it, then have your car towed to the bodyshop of your choice...one you know does good work, and have them fix it. The police report will state she is at fault. You have her inshurance that is all you will need to give the bodyshop. You will not even have to pay a deductable. The only real worry is if they total your car.
Now I may be wrong on this, but that is how I have always done it.

[zerooath]

They told my mom they did not want to claim it on their insurance so if i can get their insurance information off the police report i can just give it to the bodyshop and they will charge their insurance company?

[Franky61silv]

:rant: :hyper: :rl: Man forget 1500 dollars tell her you want all the car repairs paid in full, it was her fault so if she decides not to pay up you could take her to court and sue her insurance company dont let them take you for a fool get your car repaired properly man,you have pretty much full control of this situation

[GSXRJJordan]

Usually, you'd report the whole thing to your insurance company right away, especially if you were at fault. Since you don't have collision coverage (which covers your car), and your not liable (meaning you don't want your liability coverage to go up), you don't have to talk to your insurance. You call hers, tell them where you're taking the car (or ask if the place you want to take it "is on their list"), and they foot the bill.

If you want to be nice, you take the cash (any amount you feel is fair) - not their choice.

[zerooath]

when she hit me there was also some engine damage as the car will not go in gear so should i take that into account to?

the lady basically told my mom today that she was willing to give us 1500 to get it fixed basically trying to pay us off.

The police report WILL say it was their fault because the girl admitted to it being her fault so do I have the right to make them pay?

[na3j nitsuj]

get 3 quotes from different reputable shops(preferably the most expensive ones...) for ur car to be fixed.
as in everything that got messed up.

ofcourse u would have to ask her to tell her dad that u will need towing to get ur car some quotes...

then show them the quotes u got then tell ask them if they still want to pay cash or have their insurance take care of it...

goodluck man!

[zerooath]

^that sounds like a good idea but only the towing will be a problem.

[wangan_cruiser]

if i was in your place. i wouldnt take that $1500 cash.

1. ill check all the damages and see if that $1500 cash will be enough to cover the damage. hood went it you never knew your rad support when in getting a rad support pulled back will cost you more than a $1k or they may have to replace the whole rad support. rear end is another prob and that $1500 she offered is not enough.
2. your car wont start up. engine needs to get check with damages on it and it'll cost you more if the mechanic found engine damages. MORE MONEY!
3. tranny is locked up. probably got fucked up when you got rear ended and your subframe went it and your driveshaft went in and hit your transmission.
4. dont let them decide what to do. i would decide since its her fault. i dont care even i will have a record as long my car will get back on the road with good running condition.

[Bad40r7]

I would get quotes, if its enough, take it, if not, than dont. By the sounds of it, she fucked you up pretty good. Hope is fixable in the insurance companys eyes. Good luck.

[zerooath]

im going to get my mom to make them pay since it was their fault i know there is no way in hell 1500 will even put a dent in the repairs probably.

[zerooath]

Lets just say they do happen to total it what are my options then?

[kafanylovesme]

ahh, sucks man. same shit happened to me on my first car, DSM, got rear ended and I only had liability. The guy told me he would give me money, but I would have to wait "a couple of weeks" 'cuz he was on probation for something and he didn't want to go to jail if I reported it to his insurance. The douche wasn't even carrying his license with him and told me to go to his house with him so he could show it to me. Yeah, right. So I only waited a couple of days for him to get me some money. Well whatever I notified my company and they got in contact with the dude's insurance and well, my car ended up being a "total loss". So I was like, [email protected]#k it and just gave it to the insurance company 'cuz I was tired of it already and I ended up getting almost a grand more than I payed for it even after the "total loss" title.
Not trying to thread jack or anything, but yeah if your insurance company is cool, they'll got in contact with them. your options would be to take whatever they think your car is worth or they subtract a small amount from that and let you keep your car. thats what they offered me at least. good luck man.

[NebSR]

You can usually buy the wreck off them, and their insurance 'should' cover you for the agreed price of your car, make a good relationship with the mechanic you go and see so he's less inclined to write it off. Was in a similar incident, with the transmission locked up and everything, its going to cost a pretty penny, 1500 will probably have fixed your trans and thats it.

Insurance is the way to go...

[ae13bravo]

Here are your choices:

1. You can accept the check for the value of the car. And the insurance company takes your car away. (I was offered $4400)

or

2. Take the check and ask to keep your car. I cost me 600 to keep mine. Keep it if you think its worth fixing, or if you think you can get some extra money out of it by parting it out.

My car was salvaged because some one broke all my windows, headlights, and stole my stereo system, and side skirts. The damages were more than the actual value of the car. Thats why it was salvaged. So I kept the car and $3800 from the insurance. It was worth it to me. I had a 95 240sx base model.

[djp.]

what ever u do do not take the 1500 dollars, its there fault they should pay the full amount to fix it, u break u buy.. lol

i had this exact same thing happen to me like 2 years ago, i knew the person felt comfortable trusting them, and did not report it to my insurance, next thing i know they dont even pay me the full amount they said they would, and i got screwed

your not at fault, you need to get fixed what THEY damaged, there just trying to take the easy way out, so they dont have there insurance go up.

from the sounds of it, your car seems like its going to be a lot of money to repair, i have no clue the exact amount, but i know its up there probably more then what your car is worth

[zerooath]

this situation sucks ill just have to see what we decide to do tomorrow or so.

[drift freaq]

this situation sucks ill just have to see what we decide to do tomorrow or so.

Do not decide, she is at fault and her mom is trying to screw you. You tell her mom you want everything covered or your going to sue. No decision here just action on your part. The girls mom most likely wants to pay you off because the girl has probably done this before. Her insurance is most likely on her parents policy which means her rates will go up and the company may force her parents to remove her. Do not settle for their bullshit she hit you from behind. ITS her Fault!

[drftwerks]

PIIDB

mmmm yea mother daughter action

[Havok]

Yea dude their really isn't anything to be confused about. She is at fault, you have the police report, and she has full coverage. You get in contact with her insurance company and let them take care of it thats what insurance is for. Find out how much it will cost to repair the car from other shops as her insurance company will do the same.

[Bobafreak]

congratulations you are about to get PAID!!!! Do not take the 1500 you are not at fault she hit you. If it was the other way around your screwed on fixing your car. Report it to your insurance and she needs to do the same. An adjuster will come and check the damages dont let him get to you saying if your vehicle is involved in racing and etc especially if your car is kinda fixed up. (they done that to me once before) have receipts for everything you got on the car if you got some performance mods etc that could have been damaged. thats more money in the bank as well. Theyll fix your car and DO NOT SIGN ANYTHING GIVING YOU ONLY A LIMITED AMOUNT OF MONEY TO FIX WHATEVER. You make sure everything is a ok and if she has full coverage her insurance company should offer you a rental car till yours is fixed also dont worry after everything is paid in full since you have insurance as well you will get money for pain and suffering which is a bonus. Spend it wisely. hope this helps.

i speak with experience because i have been hit 3 times. lol so i know the game quiet well.

[1QUICK4]

And if you know someone who works in auto body you can really get the sweet end of the deal. Most of the time you can just ask them to mark it high and some places will.

[mulinmoua]

thier insurance company should pay for everything, even your engine damages. everything that was damage in the accident should be fix period.

[turtle m3th]

Hope everything works out in your favor man, just also keep in mind that its not what you can get out of certain situations but the fact that you get out of it. Glad to hear everyone is ok. G/L though...

[Bobafreak]

And if you know someone who works in auto body you can really get the sweet end of the deal. Most of the time you can just ask them to mark it high and some places will.

hes right on that if you know someone in the auto gfield who does prices they could do that. but iwasnt giving him fraud advice. if he wanted illegal then hey i can give you the chapters. but hell be fine with the amount he gets now.

[Bubba]

Remember we live in MS. There is no list for the insurance companies to give you. You are allowed to take it to whoever you want to in order to get those estimates. You are literally in full control of what happens in the end here.

[gtstwincam]

Get It Out Of Her Dad's Tow Yard Quick. He Can Charge You Storage And Get You For It. Next Thing You Know, He Can Legally Liensale Your Car!!

Get It Out Asap And Get It Home Before He Hits You With A Fat Storage Bill.

I Am A Claims Adj. For A Very Large Insurance Company.

Thats My Advice To You. Any Q's, Email Me @ [email protected] Not On This Thread.

[nosajton]

Fuck the $1500, if it was $15000 maybe. she can get into a shitload of trouble for not reporting it.. if there is already a police report you gotta report it.

Bro, odds are if the back of your car is fucked and your tranny is fucked and it wont start, they are going to total your car. That's a good thing most of the time.

hopefully her insurance is chill and lets you buy it back for cheap. i've had 2 cars totalled. one wanted $500 and one let me keep the car for free! (GMAC)

also if you feel any sort of pain or any of your friends do get it checked out, her insurance will pay for pain&suffering too.

[JRas]

sounds like they are just trying to get out of it which is understandable there insurance will go up a bunch but still like you said if it doesn't cover the cost of the repair than forget about it.

option A: have them pay for all the repairs to your car including engine repairs
option b: make a claim on her insurance and have her insurance cover it completely. when my mom was in an accident very similar she was hit from behind and tapped the person in front of her an insurance agent came out and estimated the cost to get her car repaired she received the money and got the car repaired.

I'd personally go with option b I wouldn't take a chance of option a and forget about the girl we all know what your thinking.

[kanagawa_kouki]

Just had someone hit my car in the parking lot... good thing i was there to see it otherwise they probably would have tried to leave.... I just reported it to my insurance company, then they got in contact with his insurance... his insurance then contacted me directly for pictures and told me to pick any shop that could do the work... his insurance is paying for it... :) that's the way to go... dont accept any cash offer period

[j20accord00]

Fuck the $1500, if it was $15000 maybe. she can get into a shitload of trouble for not reporting it.. if there is already a police report you gotta report it.

Bro, odds are if the back of your car is fucked and your tranny is fucked and it wont start, they are going to total your car. That's a good thing most of the time.

hopefully her insurance is chill and lets you buy it back for cheap. i've had 2 cars totalled. one wanted $500 and one let me keep the car for free! (GMAC)

also if you feel any sort of pain or any of your friends do get it checked out, her insurance will pay for pain&suffering too.


I dont know how they do it in Cali but that is not true..a police report is simply to just state what has happen and that in the event you deciede you dont wanna go throu insurance you have 30 days to make a full report/claim whatever..it is your choice to go through insurance or not. its a matter of choice. My gf just got her 2008 altima coupe hit it had like 84 miles on it..we got it a few weekends ago and like 2 days after that an old woman hit it. the damages where about 1200 bucks. we made a report so that the old woman couldnt be like "see ya later" and not pay. but we were doing this without getting insurance involved. so you deff dont have to go through insurance since u made a police report.

-Evan

[drift freaq]

I dont know how they do it in Cali but that is not true..a police report is simply to just state what has happen and that in the event you deciede you dont wanna go throu insurance you have 30 days to make a full report/claim whatever..it is your choice to go through insurance or not. its a matter of choice. My gf just got her 2008 altima coupe hit it had like 84 miles on it..we got it a few weekends ago and like 2 days after that an old woman hit it. the damages where about 1200 bucks. we made a report so that the old woman couldnt be like "see ya later" and not pay. but we were doing this without getting insurance involved. so you deff dont have to go through insurance since u made a police report.

-Evan

Well he is Mississippi and I don't know how they do it there. Technically in California, if your in an accident with over $750 damages and you do not report it to the DMV, they can suspend your drivers license for failure to provide proof of financial responsibility. Now if there was no police report he could indeed do what you described above in California or any state. Though in California and I bet in your state and his state as well once there has been a Police report filed the DMV is linked into it via computer. At which point if a insurance company or you do not file a report with the DMV, its license suspension time(for failure to provide proof of financial responsibility). The filing is called a SR1P in California and its a law.

[GoodOl'S13]

GET YOUR CAR OUT OF HER DADS STORAGE YARD, storage fees can kill . Has the owner of the truck you hit contacted you ? If his truck was damaged i would expect a call from his insurance company. Now, if it wasn't damaged call her insurance tell them You were involved win an accident with one of their policy holders. Then go to the best bodyshops around and get estimates fax them over and wait for the to either declare your car a total loss, which you can buy back for +-$500. or get a nice check. It will more than likley be declared a total loss because its an older car and it has suffered both body and mechanical damage. Oh yeah this is the time where you dig up all of your invoice for work that has been done to your car. G/L

[zerooath]

aight i pretty much got it.

tomorrow we are going over there and towing my car around to get estimates if all goes well. then we will just show the police report to the shop and try to contact their insurance and tell them where we are bringing and how much it will cost etc.

thanks for the help

[j20accord00]

Well he is Mississippi and I don't know how they do it there. Technically in California, if your in an accident with over $750 damages and you do not report it to the DMV, they can suspend your drivers license for failure to provide proof of financial responsibility. Now if there was no police report he could indeed do what you described above in California or any state. Though in California and I bet in your state and his state as well once there has been a Police report filed the DMV is linked into it via computer. At which point if a insurance company or you do not file a report with the DMV, its license suspension time(for failure to provide proof of financial responsibility). The filing is called a SR1P in California and its a law.

yeah its deff not like that in Jersey..litteraly it happened about 2 weeks ago..cuz the car only has about 400 miles on it..so it couldnt have been that long ago..anyways..when the cop came down to come check out the accident i asked him if i make this report will i need to contact my insurance or the old womans who hit my gf's car?..and he said no its up to you guys however you want to deal with this. so idk man i guess Jersey "state of the highest insurance rates" lol isnt as harsh as Cali is..well either way I hope this kids car gets fix and this matter gets taken care of..i hate accidents..more importantly i hate not being able to drive my sporty 40 haha..take it easy man

-Evan

[heiyuu]

When I got t-boned in the corolla and the fender, sideskirt, and door was lodged into the tires. The other guy kept saying shit like, "oh yeah that'll buff rite out." Well whatever he called the next day asking to see the damages on the car. I said no cuz he was probably wanted to make up a story based on where the damages was. Anyways, filed the report and my deductible got waived. All is good.

[Diabolical]

1. Tell her $1500 and a BJ will do just fine
2. Recieve $1500 and Bj
3. Walk away saying " I also want full coverage from your insurance and if you refuse to do so ill have to take legal action "

Its a win win for you

[cycloneskate]

I'm sure the fact that you know the girl doesn't make it easy to do this, but your car is gonna cost more than $1500 to fix, and the accident wasnt your fault, so their insurance needs to be the one that pays so you can get your car back to the way it was before

[2f2fLOL]

Here's my advice as an insurance agent. Easiest way is to report it to your insurance company. Its your insurance company's job to work for you. You won't have to worry about any hassles. Your insurance company will pay for your damages and then go after the other insurance company. Its called subrogation. It won't raise up your rates or anything because its not your fault.

[DJ_Sunrise]

My friend backed up into my car.. qtr. panel had to be replaced. Purely cosmetic. he reported it to insurance a month later.. Geico came by, and 2 days later..a check came in the mail. never even asked me where i was headed, nothing. I took the check, cashed it. went to a shop of my choice, and paid them in cash. the only thing insurance knew was that i received 2200. there was some money left over.. i wont say how much. at any rate... head to as money shops as you can.. i visited about 8.. quotes anywhere from 1400, to 4500 dollars.. average range was 1700-1800. everything turned out great. car handled amazing after the qtr panel was replecaed. coincidentally a new pair of largus bars found there way onto my car, and both my windows worked. wink wink wink.

-Bart

[prang11]

Here's my advice as an insurance agent. Easiest way is to report it to your insurance company. Its your insurance company's job to work for you. You won't have to worry about any hassles. Your insurance company will pay for your damages and then go after the other insurance company. Its called subrogation. It won't raise up your rates or anything because its not your fault.

This is the best route to go if the girls insurance company gives you any hassles. The girls insurance should cover it seeing as how she stated she is at fault. You need to get the car in a body shop fast though. They will not start working on the car until an adjuster (from your company or hers) comes and signs off on the repairs.

This is a simple process and you shouldnt let it get to you. Just make sure your car is in the same condition as before if not better.

[zerooath]

thanks for all the suggestions but i think i have decided what i wanted to do.

To get the car fixed would cost a lot and i dont really want to get it fixed again. I called a few banks and got a quote as to what the cars retail value was and they all said $4200.

I've talked to the guy and he said he would give me 3000 and i keep the car. But then he put my car was a base model in his online quote which gave him 3800. My car is actually an SE and is worth 4200 according to the banks down here with the miles it has (210000).

Since it was his fault I'm not going to settle for nothing less than 4000 and I keep my car. If the guy feels its not right I will show him all the bank quotes i got them to print for me and also give him the quotes a few body shops has given me (which were aboslutely ridiculous lol) and I will tell him to pick from the two. If he still denies I will tell him "fine I will just have your insurance take care of it for me...have a nice day!" Im not a dick at all and I hate to be in this situation but I refuse to get fucked by people and will not stand for it.

With that being said my car is a 95 zenki with some nice parts on it. I plan on getting the car and the 4k sometime this week. I will post on here as well as a local forum with the complete part out of the car. Make somewhat decent money off that (hoping to get at least a grand total from the part out). Take that money and bank it with the 4k plus the other grand or so i have saved up after bills and what not.

Buy my friends NICE s13 for 3000 (silk road coilovers...new bushings...brembo rotors..hawk pads...cusco front and rear strut bar etc. etc.) Save up a lil longer and buy a RB or SR and build up whichever one somewhat and drop it in.

Sounds like a nice daily driver to me.

[Gjohnson7]

Yep, now aren't you glad you listened. You would be looking might stupid holding that $1500 and pushing your car to school.

[zerooath]

haha nah i wasnt gonna take any offers. i didnt really know how to handle it at first but i know damn well 1500 wasnt gonna get me off their backs.

ive done all my homework and i know what i gotta do.

[fliprayzin240sx]

Somebody backed into my car and cracked my bumper and pushed the fender a bit. I reported it to my insurance and they contacted the guys insurance. He owned up to it so they told me to get quotes. I got them and they told me either i take it one of their shops or i take the money. I took the money and fixed my bumper and fender myself.

[azanprophet]

Similar situation happened to me. I was rear ended while I wasn't even in the car. Some people saw the car that hit mine and took off and by sheer luck I found them. The girl that hit me immediately admitted fault and gave me all her contact info and insurance info. I didn't call the cops but I filled out a police report and met her and had her sign it.

The next day her father called me and said that he didn't want to deal with insurance and that he'd pay me out. So I got an estimate from MY mechanic and told him what it was. He thought it was too much (which was amazing since he didn't see my car) and that he wanted me to take my car to his mechanic to get it fixed. The beauty part is that in TX there is a law like in most states that says that if your car is damaged you can take it anywhere you want to have it repaired. So I said screw him and called his insurance company. Took it for an estimate at one of their people and guess what...they came up with the same number that my mechanic did. The next day I got another call from this girls dad and he wants to pay so I tell him F**K you you had your chance to do the right thing.

Bottom line...your insurance doesn't come into the equation AT ALL...even if you have NO insurance. This girl hit you and pushed you into another car. It is her or her guardians responsibility to be financially responsible for the damages caused to your vehicle and the truck she pushed you into. Do yourself a favor and call her insurance as soon as possible and file a claim so you can get a check to get your car fixed. If there is also transmission and engine problems then there is NO WAY that $1500 will cover all the repairs and there's no telling what might be uncovered once repairs begin. There could be suspension damage from the rear hit, airbag sensor damage from the front impact, radiotor crack from the front impact, etc. You don't have to worry about your insurance that shouldn't have to pay for anything!