Accident advice
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    Texkev's Avatar
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    Accident advice

    Hey all
    Anyone know insurance? Lady backed into me in the alley a few houses down, No injuries, all good. We swapped basic info being so close nothing too much. I am filling out a DPS report on crash, you have 10 days to file. Do I need to contact her insurance yet? We were going to just work it out among us, however not so sure I should not cover my back just in case....

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    Kevin

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    HydroHarold's Avatar
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    Call the police and make a report right away. I've seen enough on Judge Judy to know them's that don't report it become "litigants". These days one can not trust anybody, even perfect strangers that don't know you will try and (bleep) you. Relatives are worse!
    etcallhome, Levi, BigJim55 and 1 others like this.
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    Old Pa-pa Old Cajun's Avatar
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    Quote Originally Posted by Texkev View Post
    Hey all
    Anyone know insurance? Lady backed into me in the alley a few houses down, No injuries, all good. We swapped basic info being so close nothing too much. I am filling out a DPS report on crash, you have 10 days to file. Do I need to contact her insurance yet? We were going to just work it out among us, however not so sure I should not cover my back just in case....

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    You are probably looking at 3 - 4 grand to fix it right.
    New fender (not junk yard), new door (not junk yard), paint job to match rest of car (takes a
    good shop to do the clear coat right where it will stand up to weather and time and not peel or fade
    due to moisture trapped under clear coat).

    Think on that.

    Cajun
    Last edited by Old Cajun; 05-02-2015 at 12:32 AM.
    Neil

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    rear engine rider, 1984 30 inch cut Snapper rear engine rider.

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    Bonehead Club Lackey Levi's Avatar
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    Call your insurance company at the VERY least. Police report IS a good idea.
    Last edited by Levi; 05-02-2015 at 05:50 AM.
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    Senior GTT Super Slacker Gizmo2's Avatar
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    I've found that you can always pull an insurance claim later. Hard to file a claim later. Cover your bases.
    Keith

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    coaltrain's Avatar
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    I agree with what's been said. In my experience with something like this I only called my own insurance company and they handled everything.

    Not a bad idea to call the police for a report but around here they will only offer to fill out an incident report which is nothing more than both your and the other drivers information. Your insurance company can also guide you with what to do there.

    Someone saying "they will take care of it" sounds good until they find out how much it is to be repaired.

    To me it is always a red flag when someone wants to "take care of it" themselves without getting insurance involved.....
    ~Stan~
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    flyweight's Avatar
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    Don't wait.
    Have Police make a report.
    Call your Insurance Co.
    Pick up a copy of the Accident Report from Police.
    Your Insurance Co will handle everything with the other driver's Insurance.
    Michael

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    Call your own insurance company. Keep in mind that HER insurance company is going to do whatever they can to save HER and THEM money. They owe YOU nothing.

    Let your insurance company deal with her's. That's what you pay them for.
    D160 Mower/Bagger.
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    ilmo's Avatar
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    Definitely call your insurance company and they will give you some options on whether to file the claim through them or her insurance. If they do, use your insurance company. I have found that dealing directly with their insurance can be a pain. That damage is more than your neighbor probably realizes and won't want to pay that cost out of their pocket.
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    Marlin's Avatar
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    File the accident report and notify your insurance. With that amount of damage 'out-of-pocket' seems a like remote possibility.
    Be honest, keep the other guy honest.
    HydroHarold, Levi and Old Cajun like this.
    Marlin

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