I was on the way home tonight and was heading down a icy hill. Just as I headed down the decline is when I saw a vehicle with it's lights on facing me in my lane less than 200 ft away. I attempted to stop and of course I slid and kept sliding. My car did a complete 180 degree turn and my rear end smacked there front passenger side.
The problem is that my insurance is expired. The opposite driver has insurance. Truthfully, we should be both in the fault. The opposite driver was very friendly and I told her my insurance card is expired that I believe I have an updated one at home. We already exchanged info. My concern is, how can I resolve this issue with minimal cost? Will her insurance company be sharks and try and make me eat the cost without covering mine? Should I get an attorney or should I call the opposite driver, and come to an agreement? If so, what sort of agreement should I offer?
2007-01-11 15:38:58 · 7 answers · asked by Teknicl 1 in Cars & Transportation ➔ Insurance & Registration
First.. find out if your policy has a grace period. You may be able to renew your policy.. (long shot but worth it).
In Calif. a police report is not required for a non-injury accident. Either party can request one.. if not, property damage is a civil matter. So (per this state) as long as you exchanged info you are ok.. - but of course you DID supply bogus info.. which in itself is prob. good for twenty lashes.
Next.. its time to fess up. You have pretty much screwed yourself by not having insurance and lying to the other party is just going to make it worse,
Because she thinks you have insurance she has by now reported it to HER carrier who, in turn, has filed the mandatory report forms with the State.
Guess what is going to happen when they cross check for YOUR insurance?? If they do and if they pursue it, you won't need to worry about insurance for about 6 months to a year.
So.. call her up and discuss blame .. if you are lucky you will each walk away paying for your own car and no report filed. Once it reaches her insurance company that is not likely to happen.
Once the insurance company is in the picture you may win on your car (if she was at fault and caused you to lose control trying to avoid her).. but you will lose in the long haul for driving uninsured.
good luck....
.
2007-01-11 17:43:05 · answer #1 · answered by ca_surveyor 7 · 0⤊ 0⤋
Explain to me why you should both be at fault. You were driving illegally without insurance, obviously stood on your brakes and locked up your front tires causing an accident. If you stay off the brake you can at least steer away from an accident. Then you lied to the people you hit and claimed you had a good card at home.
The other driver will contact her insurance and make a claim. They will contact your insurance company and find out you were driving without valid insurance. They will estimate the cost of her damage and contact you. Pay the amount they ask for. You need to compensate her for the damage you caused.
What makes you think her insurance will cover your damage? Her car was under control, going up the hill. You were doing circles going down hill, obviously not in control of your vehicle. You should count yourself lucky you didn't get a ticket.
2007-01-12 00:18:32 · answer #2 · answered by oklatom 7 · 2⤊ 0⤋
For #1 you told a story about the insurances #2 your not the law enforcement to make the call of who was wrong #3 you said you came down the hill and tried to stop but hit them #4 you left the scene of the accident, so evidence has been messed up. You wold want to talk to that person because there understanding is that your insurance is up to date. No telling who's at there house telling them to just call in and report the accident to their ins. Don't trust that.
2007-01-12 01:03:48 · answer #3 · answered by Lady Bank$$$ 2 · 0⤊ 0⤋
I don't get it, is your insurance expired or not? You say it is then you say you have an updated one at home.
If you do have insurance then let the insurance companies deal with it.
If you don't have insurance, come to some kind of agreement with her. If you both feel your both at fault split the 2 bills.
2007-01-11 23:52:42 · answer #4 · answered by iowa_trooper911 2 · 0⤊ 0⤋
What nothing about a police report?. They could come back on you and claim that "you failed to avoid an accident", --and they were stopped. Did you leave the site of the accident before they did---any witnesses. tough part is proving that they were in your lane with out witnesses---first call their insurance, and get ready for a wild ride
2007-01-11 23:52:40 · answer #5 · answered by redrepair 5 · 1⤊ 0⤋
Does the theory, "up shite creek without a paddle" mean anything to you?
Worse case scenario: law enforcement show up at your door.. and give you a ration of [stuff!] for leaving the scene of an accident, and no current insurance...
Best case scenario: everyone conveniently forgets that the whole thing ever occured...
Could go either way.
2007-01-12 00:47:52 · answer #6 · answered by Anonymous · 1⤊ 0⤋
Most likely scenario:
She will say she was on her side of the road and you lost control of your vehicle and hit her car. Her insurance will side with her because its word vs word. They will then pay for her damages and forward the bill to you.
2007-01-12 12:26:09 · answer #7 · answered by la428282 6 · 0⤊ 0⤋