Got rear ended today! Advice on repairs?

[sjwaste]

Alky is suggesting your insurance policy (a contract) requires that you report the accident. That may be true, but it's up to you to read the contract. Some states may require it as a matter of law (the "legally" bit) but I'm not sure who does and doesn't. Whether it's a legal or contractual issue is based on your policy and where you live.

As usual, nothing I post on this forum is legal advice. Especially not Canadian law.

 

[jlee]

Alky is suggesting your insurance policy (a contract) requires that you report the accident. That may be true, but it's up to you to read the contract. Some states may require it as a matter of law (the "legally" bit) but I'm not sure who does and doesn't. Whether it's a legal or contractual issue is based on your policy and where you live.

As usual, nothing I post on this forum is legal advice. Especially not Canadian law.

Progressive requires that you report a claim, but I haven't yet found anything stating that you have to report all accidents. I don't feel like wading through all my policy documents, but if you're not filing a claim there shouldn't be an issue anyway.

 

[alkemyst]

NH requires that an accident report be completed by law enforcement or individual(s) involved in a collision if there is $1000+ in property damage (or injury).

I've never heard of a blanket "all accidents must be reported" policy, at least not per state law. If you settle it out of your pocket and it doesn't mean the state's reporting criteria, there's no paper trail so the insurance company can go pound sand.

If you are covered by comprehensive or collision, almost all policies require reporting of incidents (in america, the important country here).

While legality made be open for debate, in the end it's at least a civil violation. The is the "state" issue you understand JLEE. This is all about limiting the liability for the state.

I'd challenge anyone covered in the US with comp/coll to claim their insurance company doesn't care about these kinds of things...of course you'd have to post you policy.

 

[DVad3r]

Thanks for the tips guys. Going to try finding a bumper filler, sand it down, patch it up, and paint it over. There is barely a dent aside from the paint chipped away.

 

[halik]

Thanks for the tips guys. Going to try finding a bumper filler, sand it down, patch it up, and paint it over. There is barely a dent aside from the paint chipped away.

Before you do that, see if you can find a bumper in your color on ebay or car-part.com. It will be far cheaper (and better) than a repaint.

 

[DaTT]

If you are covered by comprehensive or collision, almost all policies require reporting of incidents (in america, the important country here).

Actually, this happened in Canada, therefore, even if true, American policies mean nothing in this thread.

If you aren't going through insurance, and the police aren't involved (bodily harm/death), there is no reason for the insurance company to know anything....that's like getting a speeding ticket and calling your insurance agent to let them know...

 

[manimal]

Before you do that, see if you can find a bumper in your color on ebay or car-part.com. It will be far cheaper (and better) than a repaint.

came in to post this. Unless you have real mats and a spray gun and compressor painting it yourself unless your experienced will look terrible and give you many a frustrating hour in its completion.


Hell get an aftermarket bumber cover and ground effects and turn your lexus VIP

 

[DVad3r]

^ LOL, my next Lexus will be VIP for sure

 

[sjwaste]

If you are covered by comprehensive or collision, almost all policies require reporting of incidents (in america, the important country here).

While legality made be open for debate, in the end it's at least a civil violation. The is the "state" issue you understand JLEE. This is all about limiting the liability for the state.

I'd challenge anyone covered in the US with comp/coll to claim their insurance company doesn't care about these kinds of things...of course you'd have to post you policy.

You're making a lot of blanket statements here. It may or may not be a civil violation, depending on the locale - OP is in Canada. It may or may not be required by the policy. Just stop at, "Read your policy and check applicable local laws."

OP is in Canada.