i recently was in a minor fender bender with a person, the damages were under 1000.00 i agreed to pay this person damages my self, instead of claimimg it on my auto insurance, but the problem is that this person want me to pay full a mount of bill, and i dont think thats fair, so i asked some friends, and family and the advice they gave was that this person have to assume the deductible, because thats the law, this person cant expect u to pay ther their deductible and labor, and car parts, even their insurance company wont do that weither it was her fault are not she is expected in any situation weither its gonna be payed personally by you,are ur insurance company, are her insurance company, to pay a reasonable deducted amount, so my question is can some of u give me some advice before i pay this bill? thank you..
2007-02-16 00:46:03 · 13 answers · asked by blk_female_x 2 in Cars & Transportation ➔ Insurance & Registration
this person tried to claim it on her insurance and her insurance declined to pay it, she did not wont tp file police report and yes i feel it was both our faults, as she squeezed around another car that was cleary in front of her stopped and with blinker on waitin for my parking space, as she told me she was late for work and was tryin to get to that empty parkin space below me and was not seein me back out when she could have stopped there were other cars in front of her stopped so she should have figured out somebody ahead was pulling out ..
2007-02-16 00:59:39 · update #1
If it's your fault then you are responsible for her deductible. I was just in an accident that wasn't my fault at all. We went through insurance and I paid my deductible but then the ladies insurance had to pay me back. Sorry to say but if you were at fault then you are responsible for the whole thing. Put the shoe on the other foot... if someone hit you and you didn't do anything to cause the accident would you want to come out of pocket $500 or whatever your deductible is because someone else was a moron?? NO. Life lesson sorry girl.
2007-02-16 00:50:40 · answer #1 · answered by T C 3 · 3⤊ 0⤋
I'm not sure who you're getting your legal advice from, but it's wrong.
You owe her damages, period. and yes, that would include the deductible. However, if it's a private matter b/w the 2 of you, the deductible isn't an issue. For example, if the estimate is $1000, you pay the $1000. But if the insurance is involved & paying it, and if her deductible is $500, you still owe $1000.
Now....you don't know why her insurance isn't paying, but let me clue you in....she doesn't have collision coverage, or the damage is BELOW her deductible (they only pay if the damage is over her deductible) or she doesn't have insurance at. Also, whether she's at fault or not, if she has collision coverage, her insurance will fix her car as long as the damage is over the deductible.
Why don't you just turn it into your insurance? If your car has damage, and if the facts of the accident are as you write....she owes a portion of your damage as you owe a portion of hers.
2007-02-16 16:43:07 · answer #2 · answered by bundysmom 6 · 0⤊ 0⤋
Did you cause the collision? If so, why should the other person suffer a financial loss for your negligence? By agreeing to not file a claim against your insurance, this person is doing you a big favor. Also, in most places, yes, the other person does pay the deductible, but then they go after you for it. If this is your fault, I hope you will take responsibility for the consequences of your actions.
2007-02-16 00:51:22 · answer #3 · answered by trentrockport 5 · 1⤊ 0⤋
Hi Jessica, You should also ask this in the legal section of yahoo Answers. Now here's my view: 1. Before you do anything, take pictures. 2. Something that belongs to your neighbor has damaged your property. 3. If you knock on your neighbor's door when you know they're home and they won't answer the door, then it's clearly an attempt to avoid you and the issue. 4. If 3 is true, call the police and have a property damage report written. 5. Call a lawyer and ask them for a sit-down appointment. 6. Do what the lawyer says. If it was me, I would probably clean it up myself. But if my fence or car were damaged, I would be sure to speak to my neighbor one way or another. That's just my opinion, I could be wrong.
2016-05-24 06:30:45 · answer #4 · answered by Anonymous · 0⤊ 0⤋
In my opinion, if you asked her to pay for the deductible then its a same thing that she's paying for the bill. If you were at fault and admitted then the deductible is part of that bill, correct? If you rather pay for the deductible and let your insurance take care the rest, it would be much less complicated. Agreed?
2007-02-19 19:27:38 · answer #5 · answered by MINH H 3 · 0⤊ 0⤋
If you were going thru insurance and your company was paying because you were at fault they would pay the entire bill. There is no deductible unless you claim thru your own insurance. By offering to pay the bill without using your insurance you are acting as your own insurance company. You need to either pay the full amount or deny her claim. Remember if you don't pay her she can claim directly thru your insurance company. If she doesn't, she may take you to small claims court and they would decide who is at fault for the accident.
2007-02-16 03:37:25 · answer #6 · answered by blb 5 · 0⤊ 0⤋
whoa whoa back up.. first... if you didnt feel you were at fault- why are you paying her damages?
Second- if you are at fault- YOU REALLY THINK YOU ONLY OWE HER DEDUCTIBLE? So what.. b/c you dont want YOUR insurance to know you expect her to tell HER insurance about the accident and have them pay out besides her deductible and have HER rates increase? How selfish can you be?
If you really dont feel you are at fault.. contact your insurance and file a claim... if they dont feel your at fault either they wont pay out- they are there to protect you.
My god.. why people deal with stuff like this on their own ill never know.
2007-02-16 09:51:38 · answer #7 · answered by Anonymous · 0⤊ 0⤋
you did the damage. it's her choice to claim it on her insurance if she wants to or not. probably not because her insurance could go up. basically, ask her if she could get you 2 estimates. (she does not have to) whatever the damage is you have to pay it. if she chooses to go to her insurance company, you would pay for the deductible because the insurance company would pay for the rest of the damage, and she would be paying in the long run because her insurance will go up, yes, even if it's your fault.
2007-02-16 00:59:27 · answer #8 · answered by lidakamo 4 · 2⤊ 0⤋
Assumptions: A) You were at fault B) the other driver wasn't
Conclusions: the victim should not have to pay anything; you should pay everything
If the other driver had no insurance, we wouldn't be having this conversation, which tells us what you ought to be doing: do the right thing and take responsibility for your mistake.
2007-02-16 00:55:41 · answer #9 · answered by Sgt Pepper 5 · 2⤊ 0⤋
why does she even have to pay a deductible if you are paying the bill? if she's not filing a claim then she doesnt have a deductible.
and if she does file a claim, the ONLY out of pocket would be that deductible.
2007-02-16 02:27:07 · answer #10 · answered by mj 2 · 0⤊ 0⤋