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Neighbor backed into my car

J

jtvang125

Diamond Member
She was backing out and ran into the left rear corner of my bumper. Lots of cracked and chipped paint but doesn't look too bad (no sheetmetal damage). I'm going to get a few estimates today but I'm thinking it shouldn't be more than $500. What I consider doing is if it's $500 and below I'll have her pay for it and if it's above I'll report it to my insurance and say I backed into a pole. I'll have my insurance pay to fix the damages and she pays for the deductible. Also by going to my insurance I can take my car to a more reputable shop and request a rental car which I'll need to get to work while the car is in the shop.


*Edit: Ok, I'm going to insist that we go to her insurance because of the rental car issue. Even if she's willing to pay the whole amount out of pocket I still have to deal with the problem of getting a rental car.
 
Originally posted by: jtvang125
She was backing out and ran into the left rear corner of my bumper. Lots of cracked and chipped paint but doesn't look too bad (no sheetmetal damage). I'm going to get a few estimates today but I'm thinking it shouldn't be more than $500. What I consider doing is if it's $500 and below I'll have her pay for it and if it's above I'll report it to my insurance and say I backed into a pole. I'll have my insurance pay to fix the damages and she pays for the deductible. Also by going to my insurance I can take my car to a more reputable shop and request a rental car which I'll need to get to work while the car is in the shop.
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dumbest idea ever.

her insurance company needs to be contacted. period.
 
That is the stupidest idea I have ever heard. You should file with HER insurance and then have them pay for it. Your insurance should NEVER get involved in this situation, unless of course she tells you to fvck off.
 
Originally posted by: moshquerade
Originally posted by: jtvang125
She was backing out and ran into the left rear corner of my bumper. Lots of cracked and chipped paint but doesn't look too bad (no sheetmetal damage). I'm going to get a few estimates today but I'm thinking it shouldn't be more than $500. What I consider doing is if it's $500 and below I'll have her pay for it and if it's above I'll report it to my insurance and say I backed into a pole. I'll have my insurance pay to fix the damages and she pays for the deductible. Also by going to my insurance I can take my car to a more reputable shop and request a rental car which I'll need to get to work while the car is in the shop.
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dumbest idea ever.

her insurance company needs to be contacted. period.
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Seriously!
 
Bad idea. Why would you tell your insurance that you were at fault when you file a claim if you are not at fault. If your insurance pays the claim, they will hold it against you and might raise your rates. If HER insurance pays the claim, they won't. You would be setting yourself up for trouble down the road if you make another claim in the next few years. Bad, bad idea.

Doesn't your neighbor have auto insurance? If she doesn't, that's not your problem. Legally, she has to have insurance to drive a car, and if she drives uninsured, she will, and SHOULD, get in trouble for it. Don't cover up for her in that instance.
 
Well, I would disagree with the plan, but the dumbest idea? You guys don't know how good of friends neighbors can be. If one of my neighbors did it (except the cat lady for those of you who remember) I would do what I could to help them out. Cut the guy the some slack for trying to help his neighbor.
 
Why not let her decide how she wants to handle it? Either she pays the cost to fix it and rental car payment, or her insurance does - why would you care where the payment came from?

One option: Have you considered just taking the money and not fixing it? If you don't care about it, pocket the money. Might be a somewhat a$$hole move, but it's your money once they cut you a check.
 
Originally posted by: AgaBoogaBoo
Why not let her decide how she wants to handle it? Either she pays the cost to fix it and rental car payment, or her insurance does - why would you care where the payment came from?

One option: Have you considered just taking the money and not fixing it? If you don't care about it, pocket the money. Might be a somewhat a$$hole move, but it's your money once they cut you a check.
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I don't see how it is an @sshole move, since he would be taking a hit on the value of his vehicle. Whether he gets it fixed or not, the money compensates him for his loss.
 
Originally posted by: Bryophyte
Originally posted by: AgaBoogaBoo
Why not let her decide how she wants to handle it? Either she pays the cost to fix it and rental car payment, or her insurance does - why would you care where the payment came from?

One option: Have you considered just taking the money and not fixing it? If you don't care about it, pocket the money. Might be a somewhat a$$hole move, but it's your money once they cut you a check.
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I don't see how it is an @sshole move, since he would be taking a hit on the value of his vehicle. Whether he gets it fixed or not, the money compensates him for his loss.
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Oh, I agree, I should have just said that some people will feel it might be a bad move on his part, but yeah, it shouldn't really matter.
 
don't trust anyone to pay your bills out of trust... no matter how well you think you know them.

they need the motivation of the judicial system to get you your money.... else you are just asking for it (and take a huge risk of not getting it).
 
Originally posted by: nweaver
lying to your insurance company would be fraud
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If they found out that they paid out on a false claim, they would get the money back and cancel the policy. They have lots of lawyers.
 
are you trying to get in her pants with this arrangement?

Seriously, for one the latter would be insurance fraud if found out and a serious situation for you.
 
If the neighbor is OK with it, see if she will handle it out of pocket (assuming you have a good relationship with the people and know them to be trustworthy) and pay for your rental. No sense getting insurance involved for something that small if you don't have to.

ZV
 
Originally posted by: alkemyst
are you trying to get in her pants with this arrangement?

Seriously, for one the latter would be insurance fraud if found out and a serious situation for you.
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I'm thinking she will be paying under the table.
 
Originally posted by: moshquerade
Originally posted by: jtvang125
She was backing out and ran into the left rear corner of my bumper. Lots of cracked and chipped paint but doesn't look too bad (no sheetmetal damage). I'm going to get a few estimates today but I'm thinking it shouldn't be more than $500. What I consider doing is if it's $500 and below I'll have her pay for it and if it's above I'll report it to my insurance and say I backed into a pole. I'll have my insurance pay to fix the damages and she pays for the deductible. Also by going to my insurance I can take my car to a more reputable shop and request a rental car which I'll need to get to work while the car is in the shop.
Click to expand...
dumbest idea ever.

her insurance company needs to be contacted. period.
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No doubt

the OP just blew the DUH! meter up too...


Ausm
 
your insurance company needs not be involved if she is reasonable. Either she pays, or she gets her insurance company to pay.
 
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