UGHHH... car accident, got rear-ended. Need advice. What should/can I do? **Up with pics now**

[oniq]

Originally posted by: bolido2000
Why are u even posting here? You obviously made up your mind already.
You don't care that people are telling you to contact the cops
You don't want to contact your insurance.
You don't care if she files first and makes up some BS report.
You think you got your ass covered with pics and witnesses.
You shouldn't keep posting.

 

[psteng19]

Well, I just spoke to them and they said they want to pay out of their own pockets if I can get a decent price quote.
They definitely seem like they don't want their insurance company to know about it.

We both have the same insurance providers if that makes any difference.

 

[Gunslinger08]

...

 

[m2kewl]

take your car to the best shop and get it done right...if they bitch, file the report. that's what i'd do...think about it. if you ever sell that senta, anyone with have a brain will spot the accident so you might as well not do it half ass.

have yourself checked out to make sure your neck's ok.

let this be a lesson to all you kiddie drivers, pay the fvck attention and don't tailgate. also carry a camera at all times. cuz sh!t happens...

 

[PCMarine]

What are you crazy? Post the pics!!!!!

 

[Ylen13]

Originally posted by: psteng19
Well, I just spoke to them and they said they want to pay out of their own pockets if I can get a decent price quote.
They definitely seem like they don't want their insurance company to know about it.

We both have the same insurance providers if that makes any difference.

tak to attorney before doing it and see how much the difference is between getting attoreny and not getting one also they willing to pay for your pain and suffering bills(medical bills) that you will get in the next couple of days when you get the delay reaction pain?

 

[SportSC4]

if you decide to go to insurance later, your insurance company will probably ask 'where is the police report'? if the damage is more than 500$ (which is likely) and you file a police report, they must by law contact the insurance company about the accident (at least here in colorado). also remember, if you have any back/neck/misc problems because of this accident in the future, you're screwed.

 

[XZeroII]

Originally posted by: slick230
You know, instead of beating your meat posting here and burning precious time, why don't you just tell your insurance company? It's a good bet if she rear ended you you are not at fault, and your rates will not go up. Now, if you keep fvcking around on ATOT, and she files first and makes some BS claim, and you do get pegged for the accident somehow, you can kick yourself in the ass for wasting time.

lol, you don't know much about insurance companies. They don't care who is at fault. A claim is a claim. If you file a claim with your company, your rates have the potential to go up no matter what the reason.

 

[Ylen13]

Originally posted by: XZeroII

Originally posted by: slick230
You know, instead of beating your meat posting here and burning precious time, why don't you just tell your insurance company? It's a good bet if she rear ended you you are not at fault, and your rates will not go up. Now, if you keep fvcking around on ATOT, and she files first and makes some BS claim, and you do get pegged for the accident somehow, you can kick yourself in the ass for wasting time.

lol, you don't know much about insurance companies. They don't care who is at fault. A claim is a claim. If you file a claim with your company, your rates have the potential to go up no matter what the reason.

wrong if you are found not at fault your rates can't go up. If they do all you have to do is send a prove that it was not your fault. The prove is the check they send you. So make sure to make a copy of it.

 

[psteng19]

They seem like nice people that want to settle this without getting insurance involved.
If both our estimates are reasonable, they are willing to pay out of pocket.

Pics are up if anyone cares.

 

[mugs]

Originally posted by: Ylen13
call a lawyer immediately, he will tell you what to do, generally you should go and have a doctor check you out. General side effects after accident are pain in the neck, back pain and headace. You may have a delay reaction before you get them. You lawyer will get you the money for the car and also you will get some pain and suffering money.

to those that say he don't need attorney i totally disagree.

... People making outrageous "pain and suffering" claims are why my insurance premiums are so high (NJ = highest in the country last I checked).

 

[jlee]

Originally posted by: XZeroII

Originally posted by: slick230
You know, instead of beating your meat posting here and burning precious time, why don't you just tell your insurance company? It's a good bet if she rear ended you you are not at fault, and your rates will not go up. Now, if you keep fvcking around on ATOT, and she files first and makes some BS claim, and you do get pegged for the accident somehow, you can kick yourself in the ass for wasting time.

lol, you don't know much about insurance companies. They don't care who is at fault. A claim is a claim. If you file a claim with your company, your rates have the potential to go up no matter what the reason.

Hypothetical situation:

I rear-end you. (not going to happen, btw. )

$500 damage to each car.

I pay my insurance company to cover my butt if I screw up. You pay your insurance company for the same reason. However...if it was my fault, my insurance company cuts you a check. Your insurance people don't pay you anything. That's why my rates would go up, and yours wouldn't.

My dad had an at-fault accident about three years ago; our rates went up. Some nutcase with a restricted license (driving illegally) rammed his mother's car into the back of my mother's stopped van, while he was going approximately 40mph (according to police analysis, I guess). Our van was totalled..his airbags went off..our insurance didn't go up.

 

[gotsmack]

I live in NJ and my cousin who got into a minor accident when the girl infront of him stopped short had his insurance raised, even though both parties agreed not to file anything with the insurance companies, because there was just a scratch on both cars. The police arrived after they were about to leave and made them file a report.

He said that his insurance company issued him "insurance points" which raised his rates. He could be full of BS but this is NJ so I'm going to take his word for it.

 

[TuffGirl]

Originally posted by: joshsquall
How can people not know this stuff yet.... jesus. You shouldn't be driving if you don't know all about this.

Hmm maybe because none of this insurance claims or police report know-how is taught anywhere to pass a driver's license exam? Not everyone reads all the paperwork that comes with your auto insurance policy, which is irresponsible to some degree but still understandable. Besides that, most kids start off with their parents' auto policy and everything is left to the parents to be responsible for their kids.

In general, I think the real way anyone knows what to do in a car accident is by first-hand experience, knowing someone who's been in a car accident, knowing someone in the auto insurance or police business who talks about their job, or finding out by asking or reading threads like this. Yet, I don't think many people realize the importance of knowing what to do when you're in a car accident and the consequences of not knowing, but at the same time it's easy to coast along not knowing until it happens to you and it then becomes suddenly necessary to learn all that quickly so as not to be taken advantage of for your naivete and lack of experience.

It really sucks to have to learn it that way, speaking from recent personal experience. A month ago, I was in a high-speed collision where both my airbags deployed and it was the first time I'd been in a serious car accident, in an ambulance, ER, dealing with claims, police reports, etc.

 

[Bitek]

Jesus, I don't understand why people don't get the ins involved when thry're not at fault...you only stand to screwed. Even that minor damage will be thousands, and they will call ins eventually. What you lose is 1. potentially any money to fix your car if they flake out. Are you going to want to wait for weeks/ months for a mess to be settled before you get your car fixed. 2. *IF* you are injured, you will be giving away alot of credibility, and you may get nothing (or much less than is fair.) On this note, don't sue people just to make a buck, this happened to me, and its a horrible thing to go through. These people are the turds of the Earth.


===> You can only lose ny not calling. IF your rates do go up, ist still less than you potentially stand to lose if things go badly. Stop being silly and go call. Its bad enough you didn't call the police ( you ALWAYS want them to document your side of the story if you are not at fault. Now its just their word vs yours...)

 

[Bullhonkie]

Originally posted by: Ylen13

Originally posted by: XZeroII

Originally posted by: slick230
You know, instead of beating your meat posting here and burning precious time, why don't you just tell your insurance company? It's a good bet if she rear ended you you are not at fault, and your rates will not go up. Now, if you keep fvcking around on ATOT, and she files first and makes some BS claim, and you do get pegged for the accident somehow, you can kick yourself in the ass for wasting time.

lol, you don't know much about insurance companies. They don't care who is at fault. A claim is a claim. If you file a claim with your company, your rates have the potential to go up no matter what the reason.

wrong if you are found not at fault your rates can't go up. If they do all you have to do is send a prove that it was not your fault. The prove is the check they send you. So make sure to make a copy of it.

Wrong, please don't make blanket statements like that. Insurance companies can and often will raise your rates for any claim, regardless of who was at fault. I've experienced it personally, on two separate occasions. I'm currently shopping around for auto insurance and even though I've been involved in three accidents - none of which were my fault - my insurance quotes are still higher than what they would be if I had no claims on my insurance history whatsoever.

 

[Ylen13]

Originally posted by: Bullhonkie

Originally posted by: Ylen13

Originally posted by: XZeroII

Originally posted by: slick230
You know, instead of beating your meat posting here and burning precious time, why don't you just tell your insurance company? It's a good bet if she rear ended you you are not at fault, and your rates will not go up. Now, if you keep fvcking around on ATOT, and she files first and makes some BS claim, and you do get pegged for the accident somehow, you can kick yourself in the ass for wasting time.

lol, you don't know much about insurance companies. They don't care who is at fault. A claim is a claim. If you file a claim with your company, your rates have the potential to go up no matter what the reason.

wrong if you are found not at fault your rates can't go up. If they do all you have to do is send a prove that it was not your fault. The prove is the check they send you. So make sure to make a copy of it.

Wrong, please don't make blanket statements like that. Insurance companies can and often will raise your rates for any claim, regardless of who was at fault. I've experienced it personally, on two separate occasions. I'm currently shopping around for auto insurance and even though I've been involved in three accidents - none of which were my fault - my insurance quotes are still higher than what they would be if I had no claims on my insurance history whatsoever.

then your insurance agent has no idea what he is doing. After i got in to accident my car was declared total and i got a new car. When i first got the insurance papers insurance company assigned me 2 points because of the accident. I send a prove that i was found not guilty and those 2 points were taken off.

 

[kyutip]

It depends on where you live, some state has a no fault clause. It means it does not matter who is at fault, both insurance has to pick up the tab. If you live in a no fault state, your premium will go up.
I just got rear ended and thankfully AZ does not have no fault clause. The other's driver insurance company paid for the whole thing (my car was totalled). I also reported the accident to my insurance company (AMEX) but did not make a claim.

My insurance premium was just due about a month ago and the rate did not increase at all.
AMEX told me that it's a good thing that I reported it to AMEX insurance so the other's person company will not try to screw me.
Get the police report ASAP. you will need it! That deployed airbag at least costs $3,000, $1,000 to fix the windshield.
The cost to repair my trunk that was gone during the accident was close to $6,000 so you never know.
What if after more than 10 days, you did not report the accident and after knowing how much it will cost to fix your car, that girl's father refuse to pay you, then you are SOL.

 

[Bullhonkie]

Originally posted by: Ylen13

Originally posted by: Bullhonkie

Originally posted by: Ylen13
wrong if you are found not at fault your rates can't go up. If they do all you have to do is send a prove that it was not your fault. The prove is the check they send you. So make sure to make a copy of it.

Wrong, please don't make blanket statements like that. Insurance companies can and often will raise your rates for any claim, regardless of who was at fault. I've experienced it personally, on two separate occasions. I'm currently shopping around for auto insurance and even though I've been involved in three accidents - none of which were my fault - my insurance quotes are still higher than what they would be if I had no claims on my insurance history whatsoever.

then your insurance agent has no idea what he is doing. After i got in to accident my car was declared total and i got a new car. When i first got the insurance papers insurance company assigned me 2 points because of the accident. I send a prove that i was found not guilty and those 2 points were taken off.

While I've been insurance shopping over the past month, all of the agents I've spoken to when asked, stated that my quote would have been lower if I didn't have three claims on my insurance history. You're telling me these agents for Progressive, Travelers, 21st Century, and Liberty Mutual have no idea what they're doing?

How about this FAQ from insure.com:
Should I expect my premium to rise if I reported an accident to my insurance company in which I was not found at fault?

Or this quoted from an article at insure.com:

State Farm Insurance Co., for example, increases your premium for any "chargeable" accident ? meaning any accident in which the company pays more than $750 in liability or collision claims. State Farm policyholders should expect to see the increase at renewal time on their liability, collision, and PIP or medical payments coverages.

But State Farm also has a program called "forgive the first accident" for its policyholders who have been with the company, accident-free, for at least nine years. If you fit this description and have a chargeable accident, you won't see any increase in your premium.

So State Farm has no idea what it's doing either?

 

[Ylen13]

Originally posted by: Bullhonkie

Originally posted by: Ylen13

Originally posted by: Bullhonkie

Originally posted by: Ylen13
wrong if you are found not at fault your rates can't go up. If they do all you have to do is send a prove that it was not your fault. The prove is the check they send you. So make sure to make a copy of it.

Wrong, please don't make blanket statements like that. Insurance companies can and often will raise your rates for any claim, regardless of who was at fault. I've experienced it personally, on two separate occasions. I'm currently shopping around for auto insurance and even though I've been involved in three accidents - none of which were my fault - my insurance quotes are still higher than what they would be if I had no claims on my insurance history whatsoever.

then your insurance agent has no idea what he is doing. After i got in to accident my car was declared total and i got a new car. When i first got the insurance papers insurance company assigned me 2 points because of the accident. I send a prove that i was found not guilty and those 2 points were taken off.

While I've been insurance shopping over the past month, all of the agents I've spoken to when asked, stated that my quote would have been lower if I didn't have three claims on my insurance history. You're telling me these agents for Progressive, Travelers, 21st Century, and Liberty Mutual have no idea what they're doing?

How about this FAQ from insure.com:
Should I expect my premium to rise if I reported an accident to my insurance company in which I was not found at fault?

Or this quoted from an article at insure.com:

State Farm Insurance Co., for example, increases your premium for any "chargeable" accident ? meaning any accident in which the company pays more than $750 in liability or collision claims. State Farm policyholders should expect to see the increase at renewal time on their liability, collision, and PIP or medical payments coverages.

But State Farm also has a program called "forgive the first accident" for its policyholders who have been with the company, accident-free, for at least nine years. If you fit this description and have a chargeable accident, you won't see any increase in your premium.

So State Farm has no idea what it's doing either?

they are scrowing you over. go to dmv and get a copy of your driving report. If you see point on it and it was not result of speeding ticket and all of your accident were net your fault then send them the prove for each one or just get another insurance company.

 

[Ylen13]

as for the quote that you posted, to me it means if you were at fault and the company paid the other driver the money.