Rear ended - should I report it? (1 Viewer)

[Mitchie]

In Michigan it doesn't matter who is at fault. If it's your vehicle you go through your insurance company and pay the deductible. You can go to court to get the other party to reimburse you but that's another whole can of worms.

So someone hits me and causes $900 in damages and I have a $1000 deductible, in that case I'd be SOL?

Yes, unless you sue them to get your money back. It sucks

that's insane.

 

[NutterButter]

As someone who works for an insurance company, I'll tell you that we're getting KILLED on auto. They're going to raise your rates (likely by double digits) whether you put in a claim or not. So you might as well get your car fixed.

My coverage is with Travelers (who I used to work for. I live in NJ) and they just sent a notice that they filed for a 17% rate increase with the state (whether it gets approved or not is TBD). Other carriers will likely do the same if they haven't already.

Got travelers myself. I was wondering when my rates would go up since they haven't yet and all I keep hearing about is other people's rates getting raised a ton. 17% isn't that bad actually since my rate hasn't noticeably gone up in years.

Just got my new policy document for next year and my premium actually went down $9. Maybe that increase won't take effect until the following year.

 

[Snotbubbles]

I’d probably ignore it. If it’s not bad i wouldn’t want to deal with the hassle

You can put the claim in get the check cut and not get it fixed.

 

[Mitchie]

I’d probably ignore it. If it’s not bad i wouldn’t want to deal with the hassle

You can put the claim in get the check cut and not get it fixed.

That just happened to me, just got dinged when I was parked, insurance company assessed it at $700, which was a low ball offer. took it to a reputable body shop that said about ~1000 (i'm sure other body shops would've been a bit higher). My car is like 7 years old so I just decided to keep the money. Didn't affect my insurance, thought maybe it would but just got my annual quote which dropped about 30 bucks.

 

[ghostguy123]

Can't you just go through the other drivers insurance and not even get yours involved??

 

[ghostguy123]

Or, other driver gives you money and you both agree to not contact insurance/police.
This all depends on the amount of damage, value of car....

 

[Bob Loblaw]

I'd at least have gotten a police (or highway patrol) report done.

Back in 2019, I was rear-ended in the "diamond" (HOV) lane in CA. At the time, I was driving an e-Golf (100% electric) in the HOV lane (sticker was still good) during morning commute time. Traffic starts to backup quickly so I slam on brakes (not engaging the anti-locks) as the red brake lights in front of me start approaching really fast. I am not in danger of hitting vehicles in front of me, but I look in my rear view mirror, and see a Honda Civic about to hit me. Since there was a shoulder to the left of the lane (wide enough to fit a vehicle), I swerved to the right (not hitting any vehicles in front of me or in the lane to my right), trying to give the Civic space on the shoulder to avoid collision. The driver doesn't avoid collision and damages my driver side rear quarter panel and left side of rear bumper. It was clearly the Civic driver's fault. He admitted it when we got out to exchange insurance info.

While waiting for CHP to arrive, I text a good friend who is a CHP officer. I ask him what I should do. He says get the other driver's insurance information at the very least. He said a highway patrolman's report isn't necessary if I don't want it since the other driver is admitting that he's at-fault. I get the Civic driver's insurance and contact info, give details to the CHP officer that arrived, but decline the report (since i was late for work).

A week goes by, and I'm contacted by the Civic driver's insurance company (The General), and they are claiming that I am fault, that I was in the lane to the right of the HOV lane and that I swerved into the HOV lane, causing their client to rear-end me. Had I agreed to the CHP report, I would've been good, but since I didn't, it was now my word against his. This was in May, and my lease was ending in early July.

I didn't file a claim with my insurance (State Farm) because I didn't want to deal with the hassle of it all. When I first leased the vehicle, I signed up for "Wear and Tear" protection. I paid an additional $500 over the life of the 36-month lease, and was covered for up to $10,000 in damages. The fine print was more specific, but when I turned in the car, luckily the lease inspector said I was covered and didn't owe anything.

 

[AAABatteries]

I'd at least have gotten a police (or highway patrol) report done.

Back in 2019, I was rear-ended in the "diamond" (HOV) lane in CA. At the time, I was driving an e-Golf (100% electric) in the HOV lane (sticker was still good) during morning commute time. Traffic starts to backup quickly so I slam on brakes (not engaging the anti-locks) as the red brake lights in front of me start approaching really fast. I am not in danger of hitting vehicles in front of me, but I look in my rear view mirror, and see a Honda Civic about to hit me. Since there was a shoulder to the left of the lane (wide enough to fit a vehicle), I swerved to the right (not hitting any vehicles in front of me or in the lane to my right), trying to give the Civic space on the shoulder to avoid collision. The driver doesn't avoid collision and damages my driver side rear quarter panel and left side of rear bumper. It was clearly the Civic driver's fault. He admitted it when we got out to exchange insurance info.

While waiting for CHP to arrive, I text a good friend who is a CHP officer. I ask him what I should do. He says get the other driver's insurance information at the very least. He said a highway patrolman's report isn't necessary if I don't want it since the other driver is admitting that he's at-fault. I get the Civic driver's insurance and contact info, give details to the CHP officer that arrived, but decline the report (since i was late for work).

A week goes by, and I'm contacted by the Civic driver's insurance company (The General), and they are claiming that I am fault, that I was in the lane to the right of the HOV lane and that I swerved into the HOV lane, causing their client to rear-end me. Had I agreed to the CHP report, I would've been good, but since I didn't, it was now my word against his. This was in May, and my lease was ending in early July.

I didn't file a claim with my insurance (State Farm) because I didn't want to deal with the hassle of it all. When I first leased the vehicle, I signed up for "Wear and Tear" protection. I paid an additional $500 over the life of the 36-month lease, and was covered for up to $10,000 in damages. The fine print was more specific, but when I turned in the car, luckily the lease inspector said I was covered and didn't owe anything.

@The General is the best!

 

[STEADYMOBBIN 22]

to update my part of this….

Tried getting ahold of her for a week to no avail before calling her insurance.

Lady gave me out of date insurance info.
After two days they tell me that she’s not insured by them.

Text her.

She gives me updated info.

She admitted fault.They have my wife and I $1,000 each and our truck is getting repaired.

Fin.

 

[The General]

I'd at least have gotten a police (or highway patrol) report done.

Back in 2019, I was rear-ended in the "diamond" (HOV) lane in CA. At the time, I was driving an e-Golf (100% electric) in the HOV lane (sticker was still good) during morning commute time. Traffic starts to backup quickly so I slam on brakes (not engaging the anti-locks) as the red brake lights in front of me start approaching really fast. I am not in danger of hitting vehicles in front of me, but I look in my rear view mirror, and see a Honda Civic about to hit me. Since there was a shoulder to the left of the lane (wide enough to fit a vehicle), I swerved to the right (not hitting any vehicles in front of me or in the lane to my right), trying to give the Civic space on the shoulder to avoid collision. The driver doesn't avoid collision and damages my driver side rear quarter panel and left side of rear bumper. It was clearly the Civic driver's fault. He admitted it when we got out to exchange insurance info.

While waiting for CHP to arrive, I text a good friend who is a CHP officer. I ask him what I should do. He says get the other driver's insurance information at the very least. He said a highway patrolman's report isn't necessary if I don't want it since the other driver is admitting that he's at-fault. I get the Civic driver's insurance and contact info, give details to the CHP officer that arrived, but decline the report (since i was late for work).

A week goes by, and I'm contacted by the Civic driver's insurance company (The General), and they are claiming that I am fault, that I was in the lane to the right of the HOV lane and that I swerved into the HOV lane, causing their client to rear-end me. Had I agreed to the CHP report, I would've been good, but since I didn't, it was now my word against his. This was in May, and my lease was ending in early July.

I didn't file a claim with my insurance (State Farm) because I didn't want to deal with the hassle of it all. When I first leased the vehicle, I signed up for "Wear and Tear" protection. I paid an additional $500 over the life of the 36-month lease, and was covered for up to $10,000 in damages. The fine print was more specific, but when I turned in the car, luckily the lease inspector said I was covered and didn't owe anything.

@The General is the best!

That’s my cousin “The General” he’s always screwing me on my insurance so I can’t help.

I’m in the entertainment business.