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Car Accident/Insurance HELP?
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Car Accident/Insurance HELP?

Last night we were in the middle lane and it was coming to a red light, its raining out side really bad and we put on the breaks and for some odd reason our car swirved to the right and ended up hitting a car in the rear. my husband said that something is bent? The guy was very upset but he shouldnt be..bearly any damage. I mean he should not have been that mad, and anyways he requested for our insurance info, we gave to him but our car is messed up too badly in the front. should his insurance pay for it or what? no cops were called or anything we just settled it together..I got all his contact info but I dont know. and i called my insurance yesturday to have it canceled because we were suposed to sell the car today. so im so confused. we have USAA


    




simplysuewi
Rating
no if you at fault, you should pay for it!


ca_surveyor
Like everyone else says.. it sounds like you are at fault.

Doubly so if you cancelled the insurance BEFORE you sold the car since that may make you liable for the other guy's bill (as well as your own).

One small ray of light.. insurance generally starts or stops at 12:01am.. if you cancelled it in the morning and had your accident before midnight you may still be covered.

either way call your insurance company.. there will be some mandatory filings with your local DMV that you need to do - especially if the other person reports the accident to HIS company.

.


Brandi C
Rating
Its your fault -whether or not you skidded on water or ice or if there was a mechanical problem with your car. You hit him and you are liable for the damage to his car. You may as well let your insurance pay it, thats why you buy insurance.


Luna & Lawnboy
Contact your insurance company. Your policy may not have been cancelled until 12:01 AM today. If you had/have collision coverage, your insurance will cover you for the loss. It sounds as if the inclement whether caused your husband to unexpectedly lose control of the vehicle to a certain degree and strike the other party. Based on the details you provided, he appears to be at fault for the accident. You can try to pursue a claim against the other party, but I doubt you will recover. Depending on what state you live in determines the various "contributory negligence" rules. Some states like NY and RI are what is called Pure Comparative states. That is, you can be 99% responsible for an accident and still recovery 1%. However, in most, if you are more than 50% or 49%(depending on the state) at fault for an accident you cannot recover.


Insuranceman
Turn in your claim to USAA and let them deal with it.

Your husband is at fault for "driving too fast for conditions" or "failure to properly maiontain control of vehicle." You could have gotten cited for either or both had you called the police.

Call USAA today and give them the other guy's info - save you from being sued by him later.

Good luck and I hope this helps!


The Smart Redneck
Rating
who ever is at fault should have to pay witch sounds like you because the other guy was in his proper lane


marfanman00000
Rating
if you have full coverage both cars will be fixed, if you have liability then only the other guy will be fixed fortunately the cops were not called because your husband would have been sited for failure to control vehicle which would have put points on his license.even though you cancelled this car you paid for a month of insurance so they should still cover it call them


oklatom
So essentially you were driving without insurance, hit another car and caused damage to it and your car, and want to know if his insurance will pay? No, this was your fault, not his, you went into his lane and hit him. Since you canceled your insurance yesterday, you will have to pay out of pocket. Never ever drive without insurance, things like happen when you do.


nj2pa2nc
sorry but you are at fault-you are supposed to keep your car in control at all times-no matter the weather-adjust your driving accordingly.


xgoingtogiveittoya
i dont know whos at fault but you guys should have settled this on the blacktop with your cars to see who was at fault!!! lmao





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