coopersdad
Footballguy
On Monday my son (26) was involved in a minor fender bender. He calls me from the accident and I walk him through what to do (exchange insurance, take pictures, get drivers license, etc). He takes care of it all and sends me pics of both cars............his BMW has damage to the right front plastic around the headlight (it's cracked, not broken but cracked). NO OTHER DAMAGE. NOTHING TO THE PLASTIC BUMPER, NOTHING TO THE QUARTER PANEL, NOTHING TO THE HOOD The other car (older dodge charger) has small paint marks on back left corner of bumper.........no dents or other damage.
Son says he's got the other guys license and that he's going to send his insurance when he gets home.
Son calls insurance to set up the claim and gives them pictures and his statement on Monday evening.
Next day nothing. Wednesday nothing. Wednesday son calls other guy who refuses to give his insurance information and informs son that he immediately went to the ER on Monday due to back and neck pain.
Son uses his sleuth skills and looks up other guy.......lets just say that he's in his middle 20's, has multiple court cases/judgements against his budding music production business for non payment of loans, and seems to be well known in the thug lifestyle.
The green lizard calls me this morning and tells me that the claim has been changed from regular car insurance department to bodily damage department, and they'll need my son to bring in the car for review, but based on the pictures she seems skeptical and doubts that the other guy actually has insurance, but in Texas that does not matter (note to self.........buy beater car, cancel all insurance, and stop on road in front of expensive car).
Lady tells me that they'll try to reach a settlement and that they will handle everything,
What can I expect?
How much will my policy go up? Never made a claim in the last 8 years. All 3 of us have 0 tickets on our records.
Son says he's got the other guys license and that he's going to send his insurance when he gets home.
Son calls insurance to set up the claim and gives them pictures and his statement on Monday evening.
Next day nothing. Wednesday nothing. Wednesday son calls other guy who refuses to give his insurance information and informs son that he immediately went to the ER on Monday due to back and neck pain.
Son uses his sleuth skills and looks up other guy.......lets just say that he's in his middle 20's, has multiple court cases/judgements against his budding music production business for non payment of loans, and seems to be well known in the thug lifestyle.
The green lizard calls me this morning and tells me that the claim has been changed from regular car insurance department to bodily damage department, and they'll need my son to bring in the car for review, but based on the pictures she seems skeptical and doubts that the other guy actually has insurance, but in Texas that does not matter (note to self.........buy beater car, cancel all insurance, and stop on road in front of expensive car).
Lady tells me that they'll try to reach a settlement and that they will handle everything,
What can I expect?
How much will my policy go up? Never made a claim in the last 8 years. All 3 of us have 0 tickets on our records.