i know you have read a million accident stories, but heres another for ya!(this happened about 45 min ago)

i was driving down the road when some stupid b*tch made a right hand turn and somehow ended up in my lane(her left) hitting my car between the wheel and the drivers door, hitting both.. i cant open my door the whole fender is smashed in, my rim(its stock) is scratched to hell.. aghhhh!!! how the hell do you mange to do that!!

anyways ive never dealt with this stuff before, any ideas on whats going to happen?? she is 110% in the wrong so i know there wont be any issues there, but now what happens? what are they gunna do about the rim?? if any one has gone Through this please just give me the whole picture of what im gunna have to deal with... thanks!! (ps.... we are both insured)

 

your insurer and advise of the above. They will advise you. Good luck.

 

In before the bashing of women drivers starts up again *sigh*

Sorry that happened to you...it sucks

 

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Yup... best bet is to contact your insurance agent. That would be the best person to advise you.

From my experience, what's gonna happen is after you talk to the agent for forever, they'll set up a date/time with you so one of their insurance adjusters can look at the damage and estimate what it's gonna cost. Since it's the other driver's fault, their insurance is responsible (but your's might cut the check and get reimbursed by them later). You take it to an authorized repair facility and they'll fix your car. If it comes out to cost more than the adjuste gave you, either the repair facility will let them know or you will need to. Also, same with damage... if more is found, report to your insurance. Expect your insurance to increase (even though it wasn't your fault, it still happened).

 

if it wasnt your fault your insurance shouldnt go up even if your insurer ends up paying. when i had my accident the women who hit me had no insurance. my insurer paid to fix my car. my ins. did not go up.

 

i hope not, that would be bullsh*t!!

 

I dunno. Some companies still raise your premium even though it wasn't your fault.

 

Also, don't forget to file an accident report. Easy step to miss and it could cause you some grief if you don't, even though it wasn't your fault. Check the laws of your state to be sure.

 

a. Contact the police at the scene.
b. Exchange information with the other driver: licence number, insurance. Do not discuss the accident with the other driver.
c. Contact your DMV. You may have to file an accident report.
d. Contact your insurance company for assistance.

 

a), b), d) are essential, especially a). Note: b) should be included in a), since police will write accident report at the scene, and give you a copy. Never heard of c). Maybe certain municpalities require this?

 

unfortunately the cops wouldnt come out because it was on private property.. they were the first ones i called.. there weren't any witnesses either which makes me kinda nervous.. i dont know, it should be totally clear..at least at the scene she was apologizing and admitted full responsibility

 

police report will show she was in the wrong, insurance agent to access the damage. Cut you a check. When I had damage accessed it was more than it cost me to fix so I made out with $500 extra

 

A person involved in an accident will often say “I am sorry. I will take care of it.” A day or two later, they will contact their insurance, and admit no wrongdoing.

Again your insurance company should assist you in this matter.

 

Right answer!!!

bill

 

Here's a tip: DO NOT CONTACT YOUR INSURANCE COMPANY.

Talk to hers first since she was in the wrong and do everything through them. The only way your should contact yours is if they try to claim it was your fault. In that case, your insurance company will fight against them.

Even if you're not at fault, if you contact your insurance company, they will start an accident profile on you and try to use it as an excuse to mess with your rate. They may label you as high risk even though, again, it wasn't your fault.

 

WRONG ANSWER!!!

And just FYI, all insurers share databases. If a claim is filed with the other parties insurer, that information will be availabe to your insurer (and any other insurer)

Whn you are invoved in an acident, ragarless of who was at fault, it is the responsibility of YOUR insurance comapany to protect YOUR interests. As several others have already said, it is ESSENTIAL that you contact your insurer.

bill

 

BAD GRAMMAR AND SPELLING!

One other thing I forgot to mention is that if you do contact your insurer, they will not do anything for you until you pay them your deductible first. They will refund it once they recoup the costs from the other person's insurer (it may take awhile) but why pay $500 or so and wait for it to come back if you weren't at fault?

Again, go through the other person's insurer first. Do not admit any fault whatsoever, just explain the circumstances of the collision, and do not give them any information that could be used to hold you liable.

 

Right on target. Avoid contacting your insurance company and you give them excuse for refusing to provide assistance if something goes wrong and you contact them after the fact. You have insurance for a reason. Use it when it is needed.

 

I wonder how the case will come out if you have the wrong-doer admitting on a recorded cell phone. Would that be enough to swing it more your way. Just a thought since most if not all cell phone has a video record. I also know it's great to have a disposable camera in your car for stuff like this. Taking pictures of the accident, location, and their tags.