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Car accident question #4543195
10/14/17 12:27 PM
10/14/17 12:27 PM
Joined: May 2011
Posts: 1,055
Greenville, SC via Chicago, IL
dja4260 Offline OP
dja4260  Offline OP
Joined: May 2011
Posts: 1,055
Greenville, SC via Chicago, IL
Good afternoon.

Thankfully I'm uninjured and my family wasn't in the car when the collision occurred.

I was traveling around 15 mph in the left turn lane to make a left hand turn into a gas station. Traffic was stopped to my right (two lanes) A lady cutting across traffic to make a left, pulled in front of me. I locked up the brakes and hit her driver's side fender/door.

She was cited at fault. I was not cited.

She has Amica Insurance, I have travelers.

My car is drivable and I already popped the bumper damage out. She's not a fortunate as her car had much more damage.

Question:

Do I contact my insurance to handle everything. Do I contact her directly and bypass my insurance?

I have zero experience with this sort of situation.

Thanks


2013 Hyundai Elantra Gt Hatch 6 spd
2005 Toyota Highlander V6
1997 HD Sportster
Re: Car accident question [Re: dja4260] #4543198
10/14/17 12:28 PM
10/14/17 12:28 PM
Joined: Dec 2006
Posts: 19,136
Dallas,Tx USA
aquariuscsm Online content
aquariuscsm  Online Content
Joined: Dec 2006
Posts: 19,136
Dallas,Tx USA
Contact your insurance,give them all her info,and they will contact her insurance to get it taken care of.


1996 Nissan 300ZX 5-speed,Arctic Pearl(#175 of 300)
Quaker State Ultimate Durability 10W30
2012 Honda Accord Coupe EX-L 2.4,auto,San Marino Red
Pennzoil Platinum 5W20

Re: Car accident question [Re: dja4260] #4543202
10/14/17 12:30 PM
10/14/17 12:30 PM
Joined: Jan 2008
Posts: 10,972
OH
SatinSilver Offline
SatinSilver  Offline
Joined: Jan 2008
Posts: 10,972
OH
Notify your insurance in case something goes wrong in the process. Get things started with Amica. Luckily they have a good reputation and should take care of things. Glad you're OK!

Re: Car accident question [Re: aquariuscsm] #4543205
10/14/17 12:33 PM
10/14/17 12:33 PM
Joined: Nov 2011
Posts: 4,975
MTL, CANADA
Rolla07 Offline
Rolla07  Offline
Joined: Nov 2011
Posts: 4,975
MTL, CANADA
Originally Posted By: aquariuscsm
Contact your insurance,give them all her info,and they will contact her insurance to get it taken care of.


This


2007 Corolla Red Pearl 155k miles
PP 0w20 & ST 4967

Re: Car accident question [Re: dja4260] #4543209
10/14/17 12:36 PM
10/14/17 12:36 PM
Joined: Nov 2010
Posts: 2,833
California
Errtt Offline
Errtt  Offline
Joined: Nov 2010
Posts: 2,833
California
Yup inform your insurance company. What are you paying them for. Coverage and service...

Re: Car accident question [Re: SatinSilver] #4543211
10/14/17 12:37 PM
10/14/17 12:37 PM
Joined: Dec 2014
Posts: 850
pennsylvania, usa
dlayman Offline
dlayman  Offline
Joined: Dec 2014
Posts: 850
pennsylvania, usa
I had something similar happen recently and am going to offer a contrary opinion. I would not contact insurance unless something goes wrong. A reported accident may cost you a good bit when you sell your vehicle, as well as with your own insurance company, even though you weren't at fault. It's an excuse to hike your rates. When this happened to me, I carefully observed what followed, and never filed a claim or reported , now my vehicle has a clean record and so does my driving record. Insurance is not your friend, they're in it for the money. Caution.

Last edited by dlayman; 10/14/17 12:40 PM.
Re: Car accident question [Re: dlayman] #4543214
10/14/17 12:41 PM
10/14/17 12:41 PM
Joined: Jan 2008
Posts: 10,972
OH
SatinSilver Offline
SatinSilver  Offline
Joined: Jan 2008
Posts: 10,972
OH
Originally Posted By: dlayman
I had something similar happen recently and am going to offer a contrary opinion. I would not contact insurance unless something goes wrong. A reported accident may cost you a good bit when you sell your vebicle, as well as with your own insurance company, even though you weren't at fault.


I used to think like that but coming back to your own insurance 4-6 weeks down the road telling them, yeah I had an accident a few months ago and would like to get things taken care of may not sound too good.

Insurance company: How come you didn't notify us at the time of the accident?

Bitoger: Ummm, because I didn't you to find out about it. smile

Insurance company: You do realize that your policy states that we are to be informed of any accidents immediately or we may deny your claim.

Bitoger: Ummmmm

Don't give them any reason to deny claim.

Re: Car accident question [Re: dja4260] #4543219
10/14/17 12:47 PM
10/14/17 12:47 PM
Joined: Dec 2014
Posts: 850
pennsylvania, usa
dlayman Offline
dlayman  Offline
Joined: Dec 2014
Posts: 850
pennsylvania, usa
Depends on the individual situation. I got rear ended, a clear case of who was at fault. The other party admitted fault and reported it immediately to their insurance. I repaired the minor damage myself, and avoided the hassle and the documented accident. I never divulged information to either insurance, so both my car and I have a clean record. May not be applicable in every case. If one has the fortitude, wait it out a bit before deciding. No more than a week. That won't cause any issues with your own insurance. If there is any doubt,report it,but there will be consequences.


Last edited by dlayman; 10/14/17 12:50 PM.
Re: Car accident question [Re: dja4260] #4543222
10/14/17 12:50 PM
10/14/17 12:50 PM
Joined: Jun 2005
Posts: 11,620
Santa Barbara, CA
bdcardinal Offline
bdcardinal  Offline
Joined: Jun 2005
Posts: 11,620
Santa Barbara, CA
Tell your insurance company. You might have better coverage than they do. I was hit once by a lady and although I contacted AAA, my insurance, I told them she said she would "handle everything" but I would let them know if things went south. As soon as she wanted me to take it to a certain body shop, once that I don't trust since I sell to every shop in town, and she didn't think she had to pay for a rental car, I went right back to AAA and let them cover everything. She was super annoyed, but I pay for a certain level of coverage and she could not provide that same level herself.


2014 Ford Mustang GT Track Pack
1995 Ford Mustang GT

Ford/Mazda Parts Counter
NRA Benefactor Member
Opinions expressed are my own.
Re: Car accident question [Re: dja4260] #4543225
10/14/17 12:52 PM
10/14/17 12:52 PM
Joined: Aug 2010
Posts: 68
SouthernCaliforniaDesert,USA
PalmSpringsSCal Offline
PalmSpringsSCal  Offline
Joined: Aug 2010
Posts: 68
SouthernCaliforniaDesert,USA
Did you have uninsured motorist coverage?
I know you said she had insurance,but just incase she says she does but really didnt.

If you did,and she had no insurance,your insurance will pay you claim for you and go after her for some costs ...if they think she has anything to get.
If you dont have uninsured motorist,they wont pay your damage. Its even possible she could get an atty to have you pay her damage hoping for a " go away settelment". That is why a police report is helpful. A witness is helpful to0. To be a witness in a small accident they must be an unbiased witness as defined by the court. Basically neither of you have ever had prior knpwledge of the witness.

Last edited by PalmSpringsSCal; 10/14/17 12:56 PM.
Re: Car accident question [Re: dlayman] #4543227
10/14/17 12:55 PM
10/14/17 12:55 PM
Joined: Jan 2008
Posts: 10,972
OH
SatinSilver Offline
SatinSilver  Offline
Joined: Jan 2008
Posts: 10,972
OH
Originally Posted By: dlayman
Depends on the individual situation. I got rear ended, a clear case of who was at fault. The other party admitted fault and reported it immediately to their insurance.


I've done it that in the past as well. When I caught an old lady and her friend hit my car in a parking lot and try to flee. Then acted like they didn't do anything. Luckily people were coming forward asking if I needed witnesses. Then an old cop comes rolling through that didn't want anything to do with it since it was on private property. I felt like asking, then why are you patrolling on private property?

Re: Car accident question [Re: SatinSilver] #4543237
10/14/17 01:02 PM
10/14/17 01:02 PM
Joined: Aug 2010
Posts: 68
SouthernCaliforniaDesert,USA
PalmSpringsSCal Offline
PalmSpringsSCal  Offline
Joined: Aug 2010
Posts: 68
SouthernCaliforniaDesert,USA
You could easily not get a report because cops dont like to do them and sometimes theyre too busy. So you cant count on one unless you say youre injured. Say you DONT need an ambulance. Key phrases. That gets the report,then later you can just drop the injury part in a day or so . I feel better now.

Last edited by PalmSpringsSCal; 10/14/17 01:04 PM.
Re: Car accident question [Re: dja4260] #4543242
10/14/17 01:09 PM
10/14/17 01:09 PM
Joined: Feb 2013
Posts: 11,100
Phoenix, AZ
Nick1994 Offline
Nick1994  Offline
Joined: Feb 2013
Posts: 11,100
Phoenix, AZ
Go through your insurance and give them her insurance info to bill. It'll be MUCH easier.

I was rear-ended in April, I ran it through my insurance and dropped my car off at a body shop less than 2 hours alter and Hertz rental car picked me up from the body shop. That's the accident claimed through the insurance and everything in just a couple hours.

Upon picking up my car I had to pay my $250 deductible. Technically how it worked was my car had $2,342 in damage, State Farm deposited $2,092 into my account and I paid the body shop the full $2,342. So I was out $250. Then after a week when they got it all sorted out I was refunded my deductible.

If you go through her insurance you probably won't get a rental. I got a rental through my insurance and it was a piece of cake.

Her insurance in the end paid my insurance all expenses.


2015 Hyundai Sonata 2.4L 89k Motorcraft Synthetic Blend 5w30 & OEM
2000 Toyota Camry 2.2L 231k Valvoline 5w30 & Fram Ultra
1996 Jeep Cherokee 4.0L 147k Mobil 1 HM 10w40 & Fram Ultra
Re: Car accident question [Re: Nick1994] #4543249
10/14/17 01:15 PM
10/14/17 01:15 PM
Joined: May 2015
Posts: 973
Missouri
gabriel9766 Offline
gabriel9766  Offline
Joined: May 2015
Posts: 973
Missouri
Originally Posted By: Nick1994
Go through your insurance and give them her insurance info to bill. It'll be MUCH easier.

I was rear-ended in April, I ran it through my insurance and dropped my car off at a body shop less than 2 hours alter and Hertz rental car picked me up from the body shop. That's the accident claimed through the insurance and everything in just a couple hours.

Upon picking up my car I had to pay my $250 deductible. Technically how it worked was my car had $2,342 in damage, State Farm deposited $2,092 into my account and I paid the body shop the full $2,342. So I was out $250. Then after a week when they got it all sorted out I was refunded my deductible.

If you go through her insurance you probably won't get a rental. I got a rental through my insurance and it was a piece of cake.

Her insurance in the end paid my insurance all expenses.

When I was hit 2 years ago I had them do the same thing. I filed a claim through my insurance and they went after her for reimbursement I had to pay my deductible then got reimbursed.


2015 Malibu LT 2.5L PPPP 0w20 46.1K
2007 Escape XLT 3.0L 5Q STHM 5w30/1Q MC full syn 5W20 115K
2010 Fusion SE 2.5L MC 0w20 110K
2008 Escape XLT 2.3L MC 5w30 187K
2007 Fusion SE 2.3L- 173.5K STHM 0W20
Re: Car accident question [Re: dja4260] #4543392
10/14/17 04:24 PM
10/14/17 04:24 PM
Joined: Oct 2014
Posts: 4,050
Utah
CKN Offline
CKN  Offline
Joined: Oct 2014
Posts: 4,050
Utah
I'm pretty sure it states in automobile policies to report accidents whether it's your fault or not.


Wouldn't be good to report it three weeks or more AFTER THE FACT.

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