• We’re currently investigating an issue related to the forum theme and styling that is impacting page layout and visual formatting. The problem has been identified, and we are actively working on a resolution. There is no impact to user data or functionality, this is strictly a front-end display issue. We’ll post an update once the fix has been deployed. Thanks for your patience while we get this sorted.

Gentlemen: This is why your car insurance is so high

P

PaperclipGod

Banned
Neighbor is a cop. He hits my parked car the other day as he's leaving for work. Suggests that I tell the insurance it was a hit and run (while I was asleep or something) and offers to pay for the damage. "Dude, you get the insurance money AND I fix your car for free!"

WWATOTD? Do the right thing and report accident? Or do the wrong thing and get cash + not piss off an officer of the law?

Disclaimer: This is all made up. First amendment right FTW.
 
Originally posted by: JTsyo
Wait, why doesn't he just pay for the damages and you don't file an insurance report?
Click to expand...

That's how it started, but then I had the repair estimate done, and it was more than he wanted to pay... so now it's more like "I'll pay for half of the repairs, and the insurance will pay for the other half, and you get to keep the rest."
 
Are you serious? Why would you have insurance pay for part, and use cash for the rest? The damage is already done if you file a claim. You might as well have insurance pay for all of it.
 
Originally posted by: PaperclipGod
Originally posted by: JTsyo
Wait, why doesn't he just pay for the damages and you don't file an insurance report?
Click to expand...

That's how it started, but then I had the repair estimate done, and it was more than he wanted to pay... so now it's more like "I'll pay for half of the repairs, and the insurance will pay for the other half, and you get to keep the rest."
Click to expand...

Its a question of morality. Is not pissing off your neighbor worth more to you than knowing that you filed a false police report and committed insurance fraud?

Your neighbor is putting you in a bad situation for sure. But the more you play with the idea, the worse its going to be. Time is a bad thing in these situations.
 
I don't think insurance fraud is something you wanna fuck with. I've had a few hit/skip clients and even with minimal property damage, insurance companies still put in a lot of investigative time.

You may have to move (and maybe change your name) but I would tell the insurance company what actually happened.
 
Sucks, though, because this guy is actually really nice and a great neighbor. Maybe I'll just pay the other half and not even report it. :/
 
The only way through this that doesn't end with A) you committing insurance fraud or B) having a pissed off neighbor for a cop that I can see is to tell the cop to keep his money and report that your car was hit while parked to your insurance company and let them pay for the damages.
 
Originally posted by: PaperclipGod
Sucks, though, because this guy is actually really nice and a great neighbor. Maybe I'll just pay the other half and not even report it. :/
Click to expand...

Did you tell the body shop that you would be paying out of pocket?

Out of pocket prices are a lot less than insurance prices.
 
Option C:

File it on insurance and stick your neighbors offer in your pocket for when you need him to fix a ticket or two for you.
 
Was the police officer named savoyboy? If so, disregard any and all advise he may have given you. Ask him how his brother's rape case is going?
 
You must log in or register to reply here.

TRENDING THREADS

Back
Top