Ok so here's the scene, I'm backing out of my driveway and I back into a car parked on the side of the road. Little Dent. They guy is nowhere to be found so I leave a note on his car for him to call me. He calls and says he doesn't want to go through insurance, but doesn't tell me why. So I tell him I can get a door and have someone put it on for him. He says ok. He then proceeds to call me back telling me he got an estimate on the car and it would cost 1000 dollars to repair and that he wants me to do it that way. I cannot afford to do it that way. I think he didn't want to go through insurace because he was at his mistresses house when it occured. Then again that's just a guess. Now the book value on the car is less then the estimate to repair it, so technically the car is "totaled". I don't know how I should handle the situation, I don't have money right now and the guy is being stubborn about letting me fix it my way, which would be just as good as his 1000 dollar job.
2006-12-04 06:09:15 · 14 answers · asked by cgim05 1 in Cars & Transportation ➔ Insurance & Registration
Since neither of you want to report it you might as well just offer him 500 and tell him to take it or leave it. If he really doesn't want to report it to the police he will have to take the 500.
2006-12-04 06:12:17 · answer #1 · answered by Louis G 6 · 0⤊ 0⤋
You pay insurance for this simple reason. The only advantage you have by side-stepping your and his insurance company is so your premium doesn't go up. But..........and this has happened to me. I hit someone, dented his bumper and he told me to give him $500 for the damage and call it a day. I had a funny feeling about this individual and insisted we contact the insurance company. To make a long story short, it turned out that he didn't have insurance at all. So I got off scott free. The ball is really in your court. Be firm with him about how you would like to resolve this. It's a matter of take it or leave it and let the insurance companies deal with it . Then he gets a big fat nothing. So you do have the leverage.
2006-12-04 14:23:51 · answer #2 · answered by letschon4fun 1 · 0⤊ 0⤋
You gave the guy two 2 options- Fix it your way or file an insurance claim. It is obvious that he does not want to file a claim against you because he is hiding something. He really does not have the right to choose so I would simply go back to him and give him your insurance info and tell him that if he wants his car fixed, he has to file a claim against your insurance company.
Do not even bother offering him the option fixing it your way. You offered it once and he refused it. This is a direct indication that you will have a constant headache dealing with this situation and you will never be able to get rid of the guy. He will keep claiming that it was never fixed right. At least if he files a claim against the insurance company he will have to deal with them instead of you.
Any time you attempt to operate outside of the boundaries of the right way of doing something, even if you think you are doing a good thing, you always end up being the one paying for it.
2006-12-04 14:26:35 · answer #3 · answered by Joe K 6 · 0⤊ 0⤋
It is not going to matter whether he has insurance on his vehicle or not. You are still at fault for the accident. I would try one more time to offer to fix the vehicle. If he turns you down, tell him that you need to contact the police and file a police report and also that you will turn the claim into your insurance company. Your insurance company will take care of the damages and they will only pay what it will cost to have the car fixed, or the amount to total it.
2006-12-04 14:34:08 · answer #4 · answered by blb 5 · 0⤊ 0⤋
Don't worry about him asking for a 1000 dollars. If you were going to let your insurance handle in the first place why not go ahead and do it now. Thats all you have to do, he has no say over that.
2006-12-04 14:21:28 · answer #5 · answered by lamario16598 1 · 0⤊ 0⤋
Tell him you can't afford $1000. If he insists on that, tell him you go through insurance company. I assume you have insurancea nd a valid license. Do not let him pressure you over that hooptie. And look where you're going when you're backing up damn it.
Depending on the State you're in, if you have to go through your insurance, look for an increase in your premium for years to come.
2006-12-04 14:25:42 · answer #6 · answered by Wil T 3 · 0⤊ 0⤋
tell him you'll fix it your way or you'll have to call the insurance companies. The deductible will be less than the $1000. He's trying to make a buck off of you. Either he was somewhere he wasn't supposed to be, or he doesn't have insurance.
2006-12-04 14:13:35 · answer #7 · answered by demozast 3 · 0⤊ 0⤋
Wow, usually its the other way around (the at fault party does not want to go through insurance). I see absolutely no reason why you are listening to this other guy. Absolutely call your insurance and have them handle his damages- and you will have nothing out of pocket. Who cares what he wants- its not his choice.
2006-12-04 17:21:40 · answer #8 · answered by la428282 6 · 0⤊ 0⤋
Tell him that you may as well go through the insurance as you cannot afford it yourself, Bet you want to see his attitude change too ! Me thinks he lookin for a cash settlement but not thinking very well
2006-12-04 14:19:14 · answer #9 · answered by Steven H 5 · 0⤊ 0⤋
if you dont have the money go through your insurence and before you do that ask him if he has insurance, because thats probably why he doesn't want to go through any insurance because i dont know how it is where you live but in california if you dont have insurance no matter what its your fault because if you dont have insurance than you shouldn't be on the road.
2006-12-04 14:13:49 · answer #10 · answered by tony b 2 · 0⤊ 0⤋