I had a wreck yesterday; I ran into a car in front of me in the rain. My car was badly damaged but the jeep I hit had no damage at all. The lady I ran into (Ms X) was very nice and gave me her info including her claim number. My car was towed and is in the shop for body work and repairs.
Ms X calls me today and says her insurance would like my claim number. She had no damages. I'm not sure if I should provide my claim number and what they need it for. Why did she give me hers? What claim does she have yet she had no damages?
I would appreciate any advise or insight into the situation. No police report was made. In my area if there is a wreck while it is raining they call it sleek street and the police will not write a report. A police man did drive by and told us this.
2007-07-06 17:56:58 · 8 answers · asked by af 1 in Cars & Transportation ➔ Insurance & Registration
My insurance is paying for my damages. She had no damages. Why does she need my claim number?
2007-07-06 18:02:14 · update #1
Since you ran into her and had damages, this would be your fault and on you (or your insurance if you carry collision) to cover your losses. So obviously you have already told your insurance about it and filed a claim, and been assigned a claim number. So give it to Mrs. X so that she can satisfy her insurance company with the information they are asking for. It will be up to the insurance companies to figure out what, if any, damages there are to her vehicle. You might want to discuss it with your agent, but I'm sure his advice will be to give them the information they need.
2007-07-06 18:04:26 · answer #1 · answered by oklatom 7 · 1⤊ 0⤋
1
2016-09-25 06:29:59 · answer #2 · answered by ? 3 · 0⤊ 0⤋
You are required under the law to exchange insurance information at the site. If she wanted to make a stink, there could be trouble for you because you didn't do it. The 2 insurance companies will duke it out over who pays for what, but chances are any damages or injuries that she sustained will be paid by your insurance as you hit her from behind. You are lucky that the police weren't called. They would have ticketed you for failure to control your vehicle and traveling too fast for conditions.
My guess is that this was Ms. X's first accident too. She was shaken and knew she was supposed to provide the insurance information so she did. Next time, make sure you provide that to the other person. It's your legal requirement.
Although you didn't see any damage at the site, I can't imagine that there was none, although it may have been minor. Also, whiplash usually isn't apparent until the next day. She may now be feeling the pain. It is very common with rear impact accidents.
Good luck with this.
2007-07-06 18:02:05 · answer #3 · answered by Anonymous · 0⤊ 0⤋
You need to give her all your company info..policy #, claim #, phone $ etc.
I guarantee there is damage to her vehicle. 10 out of 10 times when the drivers think there is no damage to the vehicles the insurance appraiser finds damages. There does not need to be any cosmetic damages for there to be damages under the rear bumper. My first guess would be that the impact absorbers under the bumper were damaged. She may even have frame damage that you can't see depending on how hard you hit her.
Unless you are a damage appraiser or a body repair person you are not qualified to be the final determination of whether she has damage or not. Do yourself a favor and provide the info and let the insurance companies figure it out.
2007-07-07 03:08:38 · answer #4 · answered by fighting saints 6 · 0⤊ 0⤋
So your telling me.... that in the rain.... you checked her car completely... top to bottom.... for even the littlest scratch.. and she had none.. even though your car was hurt badly? Please.
Do the right thing. this is YOUR FAULT- all she wants is her damages fixed.. no matter how minor. She has every right to ask for your claim number and if you dont get it to her she has every right to sue you personally.
What do you think she went and rammed into something after to try to get money? People crack me up.. why would she cause damage to her car... all she would get was it fixed.... people dont just go around casuing extra damage just to get it fixed again..t hat would be pointless.
2007-07-07 05:59:44 · answer #5 · answered by Anonymous · 1⤊ 0⤋
You don't need to provide your policy number to the other party, however, you DO need to provide her insurer with any information they require. This is standard procedure, no black helicopters are going to follow you. If you really don't feel comfortable with it then for heaven's sake call your adjuster and tell them the other company wants your data -- they will provide everything they require.
2007-07-07 04:16:09 · answer #6 · answered by Anonymous · 0⤊ 0⤋
i thought if you hit someone , especially from the back they get your info? her insurance is paying your damages? weird. not sure about this one.
2007-07-06 18:00:08 · answer #7 · answered by CATWOMAN 6 · 0⤊ 2⤋
Did you convey all this info to your is co???
She should be contacting your ins co.
2007-07-06 18:00:08 · answer #8 · answered by TedEx 7 · 0⤊ 0⤋