I was sitting at a redlight and was rear ended. Minor damage just her license plate bolts imprinted on my bumper. She offered to pay cash right there but I said I have to get an estimate. She said to call her and not to go through insurance.

I get the estimate the next day and tell her, she gets a friend to talk to me and he asks me not to fix it and for her to pay less. I said no I need it repaired. Anyhow they give me the run around, wanting to pay less, pay by credit card, by check etc. I said cash or I report it. Then they said ok but I have to sign papers her lawyer said to have written up. I said forget it I 'd rather report it to the police and insurance.

I do the collision reporting thing, then call my insurance this morning. They call her then call me back saying that she is now claiming I backed into her and I refused to give her my papers. Now I am waiting for the insurance to make a decision.

I refuse to accept any fault in this matter or to pay anything. She hit me she pays for the damage. Any advice on this situation?

 

This is a tough scenario. As far as the police and insurance companies are concerned it is your word against hers.

It sucks that she would do this but I don't have any good advice.

Did you have her sign a paper or something admitting guilt at the scene? Did you have a witness with you? Got any roof to back your story?

Good luck

 

Woo Hoo, my insurance called me today and said I am 100% NOT AT FAULT and they are going to issue me a check for the estimate I got and to go ahead and rent a comparable car to what I have. :]

Think I could rent a 911 or a Viper from Budget and say it's comparable?