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Thread: Car hit at gas station

  1. #16
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    ^^^what FBM said^^^

    No matter how trivial, you never know if the other guy is going to play the "my neck hurts" card and then everyone will be looking at you and asking why you didn't report it?
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  2. #17
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    It don't look too bad. A good body man should be able to fix it with replacing the door skin for @ $450.00 + molding.

  3. #18
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    Quote Originally Posted by fastblackmerc View Post
    ALways.. Always... ALWAYS get a police report..... Always!
    This.

    Did you get the guy's personal information? If so, h needs to call his insurance and report the accident. You shouldn't even get your insurance involved...unless you are willing to pay the deductible.

  4. #19
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    Quote Originally Posted by fastblackmerc View Post
    ALways.. Always... ALWAYS get a police report..... Always!
    So your saying always?

  5. #20
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    Quote Originally Posted by 88LTDCV351 View Post
    I think I'm going to cancel my Progressive. What other companies do you all suggest? I got a letter from them that said the accident fell under my deductible so I have to pay for the repairs. I thought since the guy backed into my stopped car (that he should have used his rearview mirror before backing out, you think yes?) that I shouldn't have to pay anything, no?
    You need to file the claim with the other drivers insurance, not yours and they will pay 100% under PD liability provided they determine their insured was 100% at fault.

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  6. #21
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    Quote Originally Posted by justbob View Post
    Was he not given a ticket?


    Builder Of Badassery
    No ticket issued if happened on private property.

    Police report will assign driver factors showing fault (legal fault).

    Claims will determine u/w fault (can be at fault re. u/w even with no driver factors on PD report).

    WLB
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  7. #22
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    Quote Originally Posted by 88LTDCV351 View Post
    Hardly seemed like big enough of a deal to get the police involved. I just don't see how he was anything other than 100% at fault.
    You should ALWAYS get PD report no matter what damage. w/o report you open the (common practice) possibility of the other driver going to PD and filing hit & run on you making accident your fault no matter what the circumstances.

    WLB
    BB#1) 1996 ImpalaSS - 16,500 miles - 100% stock
    ______________________________ ___________

    BB#2) 2003 Marauder (300a) - 34k miles - Daily Driver
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  8. #23
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    Quote Originally Posted by Davco View Post
    This.

    Did you get the guy's personal information? If so, h needs to call his insurance and report the accident. You shouldn't even get your insurance involved...unless you are willing to pay the deductible.
    Correct except the other driver does not have to file the claim, you can do it yourself.

    Call claims number and state you want to file a claim against the policy of one of their insureds and provide info. They will contact their insured (if the insured has not already reported the claim) and investigate the incident and pay 100% of your damage (up to the policy PD limit) if they determine their insured to be 100% at fault.

    WLB
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    ______________________________ ___________

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    CME HP Rear Control Arms & Watts Link 7/1/12
    ______________________________ ________________

    Rex "SC Cheesehead" Weinbender 11-14-13
    Ed "Baaad GN" Linthicum 8-6-2014

  9. #24
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    Quote Originally Posted by Showroom View Post
    It don't look too bad. A good body man should be able to fix it with replacing the door skin for @ $450.00 + molding.
    There is at least one spot where a paint chip came off. The progressive estimate was over $800. California labor rate I'm sure.
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  10. #25
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    Quote Originally Posted by 03blackvegas View Post
    So your saying always?
    I wasn't clear??????
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  11. #26
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    In Michigan, as well as a growing number of states, the police will not respond to a private property crash with no injuries. The law enforcement agencies in Southwest Michigan will not even write a report if you come to the police station to report the crash.


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  12. #27
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    Quote Originally Posted by MyBlackBeasts View Post
    Correct except the other driver does not have to file the claim, you can do it yourself.

    Call claims number and state you want to file a claim against the policy of one of their insureds and provide info. They will contact their insured (if the insured has not already reported the claim) and investigate the incident and pay 100% of your damage (up to the policy PD limit) if they determine their insured to be 100% at fault.
    Correct answer. File a claim with their insurance directly, not your insurance. If they agree it was their drivers fault you pay nothing, not even a deductible. The deductible applies if you file a claim with your own insurance.

    Don't delay. You may come out OK, it will be hard to argue your car moved sideways into the other driver, hitting him with your door.
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  13. #28
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    Quote Originally Posted by CoreyM75 View Post
    In Michigan, as well as a growing number of states, the police will not respond to a private property crash with no injuries. The law enforcement agencies in Southwest Michigan will not even write a report if you come to the police station to report the crash.
    Also true, police have zero interest in fender benders. This leaves the responsibility of documenting who was at fault in the accident on you. Take photos and witness contact information.
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  14. #29
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    Your insurance company is correct.
    They have 2 choices, They can wave your deductible if the other insurance
    company agrees to take responsibility, or
    They can take your deductible and if they collect from the other insurer, re-imburce you.

    I would bypass your insurance company and put a claim in directly
    with the other company.

    Most likely, they will send you a check for the repair (especially if it is under $1,000)

  15. #30
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    Quote Originally Posted by fastblackmerc View Post
    ALways.. Always... ALWAYS get a police report..... Always!
    +++++10 "what Jim said"
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