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your wifes mind works that way.
I delivered pizza. They would fire him if they knew he had expired insurance. You do realize he is putting that business in danger? Everyone who works there could lose their job if they got sued. You didn't do other drivers a favor. You didn't do the business any favors. You only enabled him to continue to be illegal.
I guess it's regional. For a fender bender the cops here would be more annoyed then helpful . Here they don't assign fault unless it's a pileup and there needs to be an investigation.
What happened to the $120?
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That's not been true anywhere I've lived. Odd. Insurance companies are built around the concept of fault for incidents.
I am another person who tries to be nice and let things go when I can. But you're doing the right thing here.
I was off a bit.What happened to the $120?
Anyway, I hope everything works out for you and you dont have to learn a tough life lesson. Always calls the cops.
Here in MN they will not send the police if there are no injuries. You are still required by the insurance company to file a police report, though. Post accident, you call the police, give them the details and they create a report. The details in the report would still be evidence of who is at fault. They just aren't going to send a squad to do accident reconstruction on a fender bender.
I never understood how that works. Couldn't the other guy just call and make a report saying it was your fault?
That's why you should get the contact info of any witnesses.
You were calling to get the police report number more than anything. Lot of states don't dispatch.
So they don't dispatch and they don't give reports? Too busy shooting unarmed citizens?
Lol, I'm not getting into all that.
Nope, hes right
Yeah I was just being snarky. But I am surprised. Around here they give you a report number at least.
I think pictures would help your case. If the other party is going to disupute fault, I'm not sure how much the police showing up that day is going to matter. Most likely, you have to move the vehicles in the meantime anyway, so there isn't going to be a lot of evidence for the police to analyze, other than the parties statements.
I feel more naïve than dumb. Except for way underestimating the amount it costs to fix vehicle damage(I am a complete moron.)
I've only been in one accident with another vehicle. It was at a 4 way stop. But the intersecting roads were two lanes and each had a turn lane along with a grass median. Lots of cars there. I pulled to a stop and cross traffic went. When it was my turn, I went across the intersection and when I was almost through, a car in the furthest lane shot out to go. Caught me right in the right front of my car. There was a truck in the lane to her left, so she couldn't see. So apparently, she just gunned it thinking it was OK to go. She was an idiot. I called the cops and he came out and interviewed both of us. Before he left, I saw him write her a ticket for failure to yield or something like that.
I may have missed it but did you say the driver didn't have insurance? Because I would almost guarantee the cops would have come out for that.
And the very first thing they would do is tell you two dopes to move your cars to the side and stope impeding traffic.
I think we may have found our MoP replacement. Not that we need one, mind you.
I'm sure experiences with insurance companies always vary person to person and agency to agency. I've had State Farm my entire aduly life. I've only been in a couple of small fender benders, though my wife has been in a couple of big ones. My MO has always been to only talk to State Farm. Part of the premium I pay is to have them represent me in cases like this. They do the legwork. The collect the money. I'm left out of it.I've only been in one accident with another vehicle. It was at a 4 way stop. But the intersecting roads were two lanes and each had a turn lane along with a grass median. Lots of cars there. I pulled to a stop and cross traffic went. When it was my turn, I went across the intersection and when I was almost through, a car in the furthest lane shot out to go. Caught me right in the right front of my car. There was a truck in the lane to her left, so she couldn't see. So apparently, she just gunned it thinking it was OK to go. She was an idiot. I called the cops and he came out and interviewed both of us. Before he left, I saw him write her a ticket for failure to yield or something like that.
When I got a hold of her insurance company, they were total a holes. Kept telling me I needed to provide them with my insurance. I told them no. They shouldn't need it because it wasn't my fault. They had a manager call me back and tell me that I shouldn't assume it was her fault and they planned to get it listed as both parties at fault. I told them that the cop gave her a ticket for failure to yield. He told me he doubted that, but he'd check and get back to me. A couple of hours later an adjuster called and said they needed to meet up with me so they could write me a check.
Oddly enough, last year, my GF was driving down her parent's street and there was a young girl trying to parallel park. My GF came to a stop, about 2-3 car lengths behind the parking spot to let the girl park. After two failed attempts to back it in, I guess she decided she'd have more luck pulling in. Apparently, she never even saw my GF sitting there and backed up 100 yards into my GF's car. Even as she laid on the horn, she kept backing up, never looking in her rearview mirror.
The girl got out and apologized over and over. They exchanged information and when my GF called her insurance that night, her company said they thought it was my GF who was at fault. After 6 months of battling, the two insurance companies decided that it was 50/50 at fault. My GF had to pay for her own damage even though she wasn't even moving. I told her lesson learned and always call the police to file a report.
Without that report, I just don't understand how the insurance company doesn't screw you over.
No, I've just been driving in traffic for too long. The above is half hyperbole ( and music lyrics) and half of what I'm calmly thinking. When I was younger I used to get all road raged out. Over the years I've actually been able to turn all the traffic / commute into peaceful time. Ivevgot a half dozen podcasts to catch up on and iheart radio keeps it interesting when I'm tired of all the talking.
he was rear ended. Who cares about his deductible? He should pay $0
It's that way in MD. Police won't issue a citation for a lesser accident they didn't see happen. And they'd rather not take time away from other work to look at bent bumpers.
Could you expound on this? I would think that pizza companies have liability insurance for all of their drivers and that there's a policy for checking the licenses of drivers.
Seems to be working pretty well. I am sure they have business insurance but they don't cover every driver with liability insurance. Now the fact that he was on the job and was uninsured leaves a problem for that business. If it is a small independent a suit over an uninsured driver hitting someone could certainly be a major financial and business hit. It could very well end a location. A franchisee may be a little better protected but not much. Believe me when I say they live in fear of this kind of thing happening and the suit because of it.
Not always. In the situation I was in that I mentioned above, if it had not been for the cop citing the women, they may not have paid for my repairs.
They should probably opt into non-owned vehicle coverage on their business insurance, then.
Of course. But I am guessing a lot of small mom and pops get the basics and run with it to get open. Then they add delivery down the road and never do anything with the insurance. At least that's been the case in a couple I was involved in. I am sure the big 3 have insurance out the ### for the corporation but not sure they require it of franchisees. Again unless the franchisers agent is on his game some of them might not have all the coverage they need. And even the big 3 are very hot to have no problems with drivers and insurance or licensing insured or not.
