I was in a minor parking-lot fender-bender on Saturday. I was at the mall and all of the parking spots were filled up and I had to park way in the back but there was a lot going on because there were all of theses promotional tents up. I found a spot between two cars and was moving in but it was kind of tight because they were both parked so close to the boundary line so I had to pull out to straighten up and I bumped into one of the cars and it left a dent about the size of a hand. It was a promotional car for a local car dealership and the promoters were there and they got my information and stuff from my license, but I didn't have insurance so I told them i had left it at home. Anyway, the police didn't arrive to file a report or anything and I have insurance now (i didn't have it before cos my parents had cut it off) but I got it after the fact. I am a very poor college kid and I hardly have money for food, much less a settlement. I'm reallydistraught! What should I do?
2006-10-25 08:31:24 · 13 answers · asked by Efrain M 1 in Cars & Transportation ➔ Insurance & Registration
You hit someone else's (parked) car, yet somehow you are the victim?
2006-10-25 08:40:45 · answer #1 · answered by Anonymous · 1⤊ 0⤋
Well your insurance now wont be able to do anything about it. They can't call the cops then because it is on private property so they will have to pursue you themselves. I would just be upfront and honest with them regarding the fact that you did not have insurance. Explain your predicament and maybe they will set up some type of payment plan for you to pay for damages. Tell them you want to a copy of the bill before you make arrangements though. When you make payments (if it comes to that) make sure you get receipts and keep them at all times.
Good Luck to you.
2006-10-25 08:36:36 · answer #2 · answered by Anonymous · 2⤊ 0⤋
It really depends on how many times you have done this. Most states require you to have at least liability insurance. Since the police weren't there to file a report, you got real lucky. THIS TIME. Next time, you'll get yourself into a bit of a problem.
2006-10-25 08:43:03 · answer #3 · answered by dreamer 3 · 0⤊ 0⤋
You were uninsured at the time of the loss, having insurance after the fact won't help you. The owner of the vehicle will fix it, and either file the claim with their insurance, who can seek payment from you, or they can ask you to pay directly. You're going to have to be up front with them. If you decide to pay, you can pay in installments most likely. And what lesson have we learned from this???
2006-10-25 12:11:44 · answer #4 · answered by Chris 5 · 1⤊ 0⤋
What were you doing driving without insurance????? You should have thought about that before you got in a car and drove!!! Make payments buddy!!
2006-10-25 08:35:59 · answer #5 · answered by wish I were 6 · 0⤊ 0⤋
Insurance will not pay for it because it is after the fact. Sorry.
2006-10-25 08:39:25 · answer #6 · answered by Army Wife 4 · 1⤊ 0⤋
You"re a college kid? Then learn from your mistake. You gambled and lost and the rest is just excuses.
2006-10-25 08:34:20 · answer #7 · answered by Spud55 5 · 1⤊ 0⤋
Call the dealer; make a cash settlement.
2006-10-25 08:33:51 · answer #8 · answered by Allen L 4 · 1⤊ 0⤋
you can pay it willingly or the insurance company is going to come after you, then if you dont pay, the state will take your license
2006-10-26 23:17:38 · answer #9 · answered by Loollea 6 · 0⤊ 0⤋
You need to deliver pizzas for a month and pay the man, doofus!
2006-10-25 17:03:51 · answer #10 · answered by Anonymous · 0⤊ 0⤋