How do you reduce the amount they ask from you. I got into a collision with a 1996 acura legend- hit the back left bumper and they're asking for 3300!! i dont even think the car is worth that much. i was splitting lanes (legal in ca) on my motorcycle when this guy came into my way and i barely nicked him with my frame slider. i had NO DAMAGES on my bike (so that hsould tell you how bad it was...) i was in an emergency (hence splitting lanes in the first place) then he follwed me to an exit where i asked him for his information and he seemed to get threatening so i didn't give him my information and i rode off as i felt in danger and was in an emergency. i dont think this should be considered hit and run as i felt i was in danger. i am willing to pay (haven't admitted fault as i believe i wasn't at fault) but im only willing to pay a thousand maximum. what ways can i get the insurance cmopany to lower my payments??
thanks!
2007-08-25 08:12:31 · 6 answers · asked by ap0258x 2 in Cars & Transportation ➔ Insurance & Registration
to clarify, i did not have insurance the day of the accident- it became active 5 days after so i dont believe my insurance agent can be of any help.
the emergency wasnt life threatening (i was visiting someone at their home who had fallen sick and they needed help.)
2007-08-25 09:26:00 · update #1
Boy, the guy above sure does have a stick hidden somewhere, eh?
Anyway, no, you really don't have any bargaining chips here. If you felt like you were in danger, you should have told that to the police.. people run from accidents all the time and have a plethora of excuses for it, so please don't expect them to believe yours just because you're the one saying it. Just about everyone that runs from an accident goes because they were uninsured and lookie there, so were you. You really don't have the right cards at hand right now, you know?
As for the damages, yes. You have the right to barter here. They can't just go to the most expensive shop and make you pay that.. you can tell them to bring it to your shop of choice! Make sure it's someone you trust so you can write the check directly to that repair place.
And no, your insurance isn't going to pay for something you did before you even got them.
2007-08-26 09:54:41 · answer #1 · answered by Miss Meli 3 · 0⤊ 0⤋
There should have been a police report filed. Since the guy was hostile, you should have called the police as soon as you were able to after your emergency. (Was the emergency life threatening, or more like you had to go to the bathroom?)
He must have gotten your license plate number and reported it to the police and gotten you name. He should have gotten three estimates of the repairs. The 3300 should be the lowest priced one. Go to www.kbb.com and learn the value of his car. If it is below the 3300, then you insurance co should declare the car totaled and pay him the money and take the car.
Most insurance companies don't care that much about the amount of the claim, they'll pay and then either cancel you or increase your insurnace bill.
Talk to your insurance agent and explain things and maybe he can give you some direction.
good luck.
2007-08-25 15:26:14 · answer #2 · answered by Fordman 7 · 0⤊ 0⤋
OK, bozo -- your story is so full of s*** you could start your own fertilizer plant. The accident is 'not your fault' but you are willing to pay out a thousand bucks -- for a scratch? You felt you were in 'danger' but you commute on a damn motorcycle? Then as an add-on you state you didn't have insurance at the time of the loss. You may as well get out the check book because if the insurance company feels you were at fault and caused the damage you will HAVE to pay or let a judge decide. Of course you will also have to explain why you didn't have insurance and why you left the scene of the accident.
Go for it --- I BEG you..
2007-08-25 21:54:06 · answer #3 · answered by Anonymous · 1⤊ 1⤋
Bottom line.....you were an uninsured driver on the day you had the accident. You have no bargaining chips. If the accident was reported by the person you hit, before you reported it (if you did report it) the court will consider that also as a hit and run, no matter what excuse you use. Good luck.
2007-08-25 17:48:52 · answer #4 · answered by sensible_man 7 · 0⤊ 0⤋
CHECK WITH THE BOARD OF INSURANCE WHICH IS ON LINE AND THIS WAY YOU WILL BE ABLE TO SEE FIRST HAND ALL INSURANCE COMPANIES.
2007-08-29 12:17:56 · answer #5 · answered by Anonymous · 0⤊ 0⤋
put it through to your insurance co
2007-08-25 15:22:17 · answer #6 · answered by Dana Blanco 4 · 0⤊ 2⤋