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Got rear-ended yesterday by a girl who doesn't have insurance

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It's possible for your premium to increase because insurance companies don't like paying money, at-fault or not.

A buddy of mine was in a similar situation, from the other end. Got in an accident the same day he bought the car. Luckily the other guy let him settle privately. At the same time, if damage is minimal, it could actually be cheaper in the long run for both parties to settle it privately.

Reporting the accident is the "right" thing to do, but like some people have mentioned, it may be too late already, and your insurance company may not be willing to wait to go after her.
 
In Texas, you must call the police immediately and then remain at the accident site until they arrive, if you leave and try to do it later, you get no police report. That means you cant claim it on your insurance.
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not sure where you got this mis-inforamtion from, but at here in Dallas, most of the time, the police will only come out if someone is injured in the accident.

A co-worker of mine get rear-ended when she exited from the freeway. She called 911 and told them about the accident. After the 911 folks asked her if anyone was hurt, she said no. They then told her that the police would not be dispatched...

 
Originally posted by: spacejamz
In Texas, you must call the police immediately and then remain at the accident site until they arrive, if you leave and try to do it later, you get no police report. That means you cant claim it on your insurance.
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not sure where you got this mis-inforamtion from, but at here in Dallas, most of the time, the police will only come out if someone is injured in the accident.

A co-worker of mine get rear-ended when she exited from the freeway. She called 911 and told them about the accident. After the 911 folks asked her if anyone was hurt, she said no. They then told her that the police would not be dispatched...
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Yep, Washington State is this way as well.
 
If she really did just buy and was insured for a previous car, there is usually a grace period with the insurance company to give you a window of time to get insurance. You might want to look a little more into the legalities of the insurance. Oh, and also, I was under the impression that you just gave your insurance company a quote on the cost to fix the damage and they give you a check. I don't think you have to actually get the car fixed even if the insurance company does pay for it.
 
like everyone said in here, TELL YOUR INSURANCE.

I got rear-ended by a pregnant woman and she pleaded to me that she would pay so I didn't report. long story short, i got screwed over. dont be nice.
 
Originally posted by: LakerGod
I've been a bit bogged down with work, so sorry for the late repsonse. Let me address a few of the questions:


- She's cute.

- No pictures, sorry.

- Damage is minimal...some scratches and indentation.

- Zim Hosein: Why would my premium increase if she hit me?

- RossMAN: I got her contact info...her drivers license number and license plate number.

- The "reason" she doesn't have insurance is because she claims she just bought the car off an auction and didn't have time to process any.

- No pics of the girl's rear-end.

- The reason i'm conempmlating this is because i wouldn't mind keeping the cash. My car is old and is on its last year or so.



Thanks for all your suggestions. I haven't had much experience dealing with insurance and accidents and such. I'm going to go ahead an report the accident to my insurance company and ask them to hold off on going after her until i confirm whether or not she ponyed up some cash.
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See how long the state and insurance company give to report an accident and if your paid in cash or cashiers check before then, then be happy. If she doesn't report the accident..
 
Are you in one of the two states that doesnt require auto insurance?

If not, ream that bitch. Take her to the cleaners. Otherwise she'll never learn her lesson. She wont ever bother to get insurance if she can slither her way out of it.
Then she'll go out and nail somebody else and try to fvck them.

Nail her now!
 
Originally posted by: LakerGod
I've been a bit bogged down with work, so sorry for the late repsonse. Let me address a few of the questions:


- She's cute.

- No pictures, sorry.

- Damage is minimal...some scratches and indentation.

- Zim Hosein: Why would my premium increase if she hit me?

- RossMAN: I got her contact info...her drivers license number and license plate number.

- The "reason" she doesn't have insurance is because she claims she just bought the car off an auction and didn't have time to process any.

- No pics of the girl's rear-end.

- The reason i'm conempmlating this is because i wouldn't mind keeping the cash. My car is old and is on its last year or so.

Thanks for all your suggestions. I haven't had much experience dealing with insurance and accidents and such. I'm going to go ahead an report the accident to my insurance company and ask them to hold off on going after her until i confirm whether or not she ponyed up some cash.
Click to expand...
+ Every time you use insurance (health, dental, auto) and they give you money, they jack up your rates. Insurance companies exist to make money, not to take care of people. If you are the kind of customer that actually needs money from them, they will make it back. One way or another.

+She shouldn't be driving it if she has no insurance. If she had insurance on another car, it should give her partial coverage on any new vehicles she gets until it can be insured properly.

+Dont contemplate anything. Nail this girl. She is irresponsible. If she was capable of getting you money she would have insurance already. She cant. She'll screw you over if you dont take charge right now. I'm pretty sure whatever state you live in has a statute of limitations on auto-accident claims.
 
Go up to her and say, "Heh, you rear ended me, so I'll be willing to forget this if you let me rear end you." And wink. Don't forget the wink.
 
Originally posted by: LakerGod
I've been a bit bogged down with work, so sorry for the late repsonse. Let me address a few of the questions:


- She's cute.

- No pictures, sorry.

- Damage is minimal...some scratches and indentation.

- Zim Hosein: Why would my premium increase if she hit me?

- RossMAN: I got her contact info...her drivers license number and license plate number.

- The "reason" she doesn't have insurance is because she claims she just bought the car off an auction and didn't have time to process any.

- No pics of the girl's rear-end.

- The reason i'm conempmlating this is because i wouldn't mind keeping the cash. My car is old and is on its last year or so.



Thanks for all your suggestions. I haven't had much experience dealing with insurance and accidents and such. I'm going to go ahead an report the accident to my insurance company and ask them to hold off on going after her until i confirm whether or not she ponyed up some cash.
Click to expand...
That whole thing about not having time to get insurance is crap.
She could have had the vehicle insured before she left the auction location.
Like Vic and so many others pointed out call your insurance company.
Good Luck!

 
Originally posted by: shortylickens
Originally posted by: LakerGod
I've been a bit bogged down with work, so sorry for the late repsonse. Let me address a few of the questions:


- She's cute.

- No pictures, sorry.

- Damage is minimal...some scratches and indentation.

- Zim Hosein: Why would my premium increase if she hit me?

- RossMAN: I got her contact info...her drivers license number and license plate number.

- The "reason" she doesn't have insurance is because she claims she just bought the car off an auction and didn't have time to process any.

- No pics of the girl's rear-end.

- The reason i'm conempmlating this is because i wouldn't mind keeping the cash. My car is old and is on its last year or so.

Thanks for all your suggestions. I haven't had much experience dealing with insurance and accidents and such. I'm going to go ahead an report the accident to my insurance company and ask them to hold off on going after her until i confirm whether or not she ponyed up some cash.
Click to expand...
+ Every time you use insurance (health, dental, auto) and they give you money, they jack up your rates. Insurance companies exist to make money, not to take care of people. If you are the kind of customer that actually needs money from them, they will make it back. One way or another.
+She shouldn't be driving it if she has no insurance. If she had insurance on another car, it should give her partial coverage on any new vehicles she gets until it can be insured properly.

+Dont contemplate anything. Nail this girl. She is irresponsible. If she was capable of getting you money she would have insurance already. She cant. She'll screw you over if you dont take charge right now. I'm pretty sure whatever state you live in has a statute of limitations on auto-accident claims.
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That is simply not true. I've been in a handful of accidents (only one being my fault, at age 19) and my rate is still the same. (Allstate)
 
Report it to the police and to your insurance agent (if you have one).

People with no insurance don't ever pay up.
 
Originally posted by: SampSon
Report it to the police and to your insurance agent (if you have one).

People with no insurance don't ever pay up.
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So true, so true.
 
milk her dry. if the repairs cost 500 charge her 1000. if shes going to be a jackass and drive around around without insurance then she should pay for it. imagine if she had caused some real damage and couldnt pay for it, then youd just be screwed. she cant NOT pay since you can just report it and then shes has to deal with the insurance company.
 
Screw her for $20 per time.
and make her pay off the big debt 😀

Or...
you can just report it so you don't get screwed over. Like everyone else has said.
 
Originally posted by: StormRider
Go up to her and say, "Heh, you rear ended me, so I'll be willing to forget this if you let me rear end you." And wink. Don't forget the wink.
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:thumbsup:😀
 
You can keep the cash anyway, regardless of where it comes from.

You're under no obligation to repair a vehicle that you own outright. A financed or leased vehicle is another story entirely but a vehicle that you own you can do whatever you want with.

Viper GTS
 
If she can't afford insurance (I don't buy the auction story) then I doubt she'll be able to afford car repairs. File a report. If you don't, she might come after YOU and lie about an injury. Since there won't be a report, it'll be your word against hers.
 
I'll be the dissident here but if that was me and there's barely any damage to my POS car on its last legs, I'd just take the money.

That would be pretty funny if she bails on you though. lol.
 
Originally posted by: MazerRackham
What? Of course she wants to do that, because if you report it she'll be sued by your insurance company.
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exactly, tell her you'll settle it, for THRICE the value of the damage. that'll show the hoe
 
Originally posted by: Injury
Step one is to make a police report of it. DO THIS NOW.

I MEAN, RIGHT THIS SECOND, call the police and make a report. Seriously.

Then call your insurance company.

Screw her. She's doing something ILLEGALL, it's her own damn fault if she faces the penalties of it.

If I have to pay for insurance even though I've never been in a wreck, you bet your ass she should. Chances are, she's been in enough of them that she can't afford her insurance. Get her off the damn road.
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seconded times a thousand. FCUK HER! call the policia. she's breaking the law and your contemplating letting her get by. SHE'LL DO IT AGAIN CEPT NOEXT TIME IT MIGHT BE WORSE!
 
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