Home     Links     Contact Us     Bookmark  
 
   Homepage      News      Legal Forum      Dictionary  
Home : Legal Forum : Insurance & Registration

Car accident, NOT MY FAULT, other driver had no insurance & now doesn't want to pay me directly, WHAT DO I DO?
Find answers to your legal question.





Car accident, NOT MY FAULT, other driver had no insurance & now doesn't want to pay me directly, WHAT DO I DO?

WAS IN AN ACCIDENT(HIT FROM BEHIND AT STOP LIGHT)3 WEEKS AGO. I WAS ON THE PHONE W/THE 911OPERATOR WHEN THE OTHER DRIVER AT FAULT SAID SHE WAS GETTING OUT HER INSURANCE PAPERS. AFTER I HUNG UP SHE CONFESSED SHE DIDN'T HAVE INSURANCE & ASK ME ME NOT TO CALL THE POLICE BECAUSE SHE DIDN'T WANT TO GET HER CAR TAKEN. SHE'S A SINGLE MOTHER OF 2 & 1 ON THE WAY. SHE SAID SHE WOULD PAY ME FOR THE DAMAGES. NOW AFTER I HAVE GOTTEN HER 2 ESTIMATE SHE NOW IS SAYING SHE'S NOT GOING TO PAY ME DIRECTLY, SHE WANTS ME TO TAKE MY CAR IN & HER PAY THE SHOP. HOWEVER I TOLD HER I'M NOT GOING TO PUT MY CAR IN ANY SHOP & TRUST THAT SOMEONE WHO DOESN'T EVEN HAVE INSURANCE IS GOING TO GO PAY FOR MY CAR TO GET OUT. I ALSO ASKED HER WHAT ABOUT THE TIME I DON'T HAVE A CAR, I NEED A RENTAL. I'M ALSO A SINGLE MOTHER. SHOULD I JUST CONTACT MY INSURANCE COMPANY (WILL i GET IN TROUBLE FOR NOT REPORTING SOONER)& LET THEM HANDLE IT AS WELL MAKE A REPORT WITH THE POLICE? OR SHOULD I JUST TAKE HER TO COURT? WHAT DO I DO?


    




Hoorayforthat
I am so sorry this happened to you. You are sweet to try to let her pay, but it's time to stop messing around with her out of pity and call your insurance company. Assuming you have full coverage, or uninsured motorist property damage it will be so much easier for you to deal with them. And, no, you are certainly not going to be in trouble for using the services you pay them for.
-You are entitled to the use of the body shop of your choice. She has no right to tell you to take your car anywhere to save her a buck.
-You are entitled to a reasonable rental of a car of similar size and quality to your own for the days your vehicle is being repaired.
-The unfortunate thing is you'll initially have to pay your collision deductible, unless you have umpd in a state that allows a reduction of costs for this type of situation. When you call your insurance company, ask if you've purchased such a policy.
-There is no guarantee when you pony up the deductible that your company can get it back for you. They will do their best, but if you can't part with the money right now file the claim anyway. As long as they pay out, they can go after her. If you want to you can file a small claims court suit against her for your deductible and anything else your insurance doesn't cover.
-You could file a police report, but it might not help since they didn't get to see what happened. They might not let you file one, but that's still ok.
----I am so tired of the "poor me, I'm a single mom blah blah" excuse for not carrying insurance. You're in the same boat and you managed to take care of business. I wish you the best of luck, and don't worry.
--I can talk to you about this more if you want to message me.


juice mini
take em too court
serve justice


John B
You won't get in trouble for not reporting the accident but it will not make a difference now. The police have no way of knowing who was at fault once the scene has been left. If you have full coverage, collision, on your car, put a claim into your insurance company. It will not affect your premiums since you were not cited. They will pay for your repairs, less the deductible, and will go after the other driver to recover their payout as well as your deductible. If you don't have full coverage, your only option is to take her to small claims court. But you then need to ask yourself if it's worth your time or not. Winning in court is one thing, collecting on a judgment in your favor is another.


Gatorade
Rating
You need to call the insurance company and a lawyer. She obviously has no intentions on paying for your car to be repaired. Don't waste anymore time call now. The longer you wait the harder it will be to do anything


Nichole
Judge Judy ;)


mixturenumber1
you can sue her in a regular court.
you experienced a loss she was responsible contact a solicitor/lawyer threaten to call the cops on her if she does not pay.


J.R.
Rating
If you have full coverage on your vehicle, file with your insurance carrier. They will take care of everything.

If you don't, you can sue, but you may have trouble collecting.


GRUMPY1LUVS2EAT
Call a lawyer to find out what your options are.


thesoulcaged
Rating
WOW ok you should always call the police, the thing is this person my be driving "off the record" and if you called the cops you might have sent her away or she was just trying to not get any more points off her license and lied to you about it. Did you get her number and address I hope. You should always report a car accident. They are hard to deal with but unless some one pays you cash out front always call the cops.


Somethingtotry
Contact your insurance company. You are probably paying for coverage that will take care of this for you (uninsured motorist).

Your insurance should also cover a rental car.


mr. know it all
u got played from the start, u should have called the cops on the spot, this bi*ch just nailed ur car and ur concerned about what would happen to her car, and on top of that u knew she didnt have insurance, might as well keep gettin played and pay the stuff yourself


Janette B
Rating
Get there Information and talk to the cops for your safety.


dixie58
take the loser to court.playing the i am a poor single mom doesnt work ,she has 2 kids and another on the way she is just a welfare rat.take her to court and good luck getting her to pay!


shelcom
Rating
If you have insurance, call and see if they'll cover it. They may not because you waited so long. Your insurance (if it pays) will then chase the broad who hit you. Why didn't you call the police back if she didn't have insurance? That's illegal in almost all states. Call the police now.
You can sue her all you want but if she's dumb and irresponsible enough to drive without insurance you'll never collect from her-making it a waste of time.


Marilyn B
Rating
Since you have the other party's name and phone number, it's not too late to make a claim with your car insurance. The stickler will be that the other party could deny that she was even involved in an accident and/or refuse further contact--the "catch-me-if-you-can" game This same scenario happened to us a few years back. We vowed that if we were ever in another car accident (no matter how minor) we would call the police for them to access the situation, issue a ticket to the guilty party, and provide a police report number for insurance purposes.


Amazon Woman
I've written insurance in 40 states... What state are you in? It makes a big difference.


samuelbus
Rating
well then take som friends and try to GIVE HIM AN OFFER HE CANT REFUSE,........ :-D


Their Mom♥
that's a f'ed up situation...i would have said try to have some compasion for the mother, but hey - you are a mother as well. you could see exactly what she is willing to do, maybe she will let you pick the company that will repair your car, and see if she can get you a rental. i figure she probably can't afford this since she didn't even hair insurance to began with. wow, how bad is the damage? maybe this is a time where you have to see beyond yourself and determine if she is genuine enough for you to let this thing go. but if not, you would have to take her to court - it would be the last resort. think about what you should do, this is a really sticky situation.


manimal2878
Rating
you can thank the republicans that you are screwed.

seriously though, since you didn't file with the police then you are probably not going to be able to make her pay.

you should try to work something out with her cuz about all you have got is what she volunteers to give you at this point.





 Enter Your Message or Comment


User Name:  
User Email:   
Post a comment:




Legal Discussion Forum

 Driving without insurance?
here's example:what if my friend is too drunk to drive a car,and let's me drive it but i don't have any insurance,what happens if i get stopped by cops.And another one: what if don'...


 Will Insurance Pay out if you have no MOT and undeclared Points on your License?
I Crashed my car Into a third party and claimed against my insurance. later whilst looking through my documents I realised that my MOT had Lapsed and that I had not declare 6 Points 3 of which were ...


 Help a 17 year old lad out? cars license and such involved :)?
Right so im turning 17 soon and i want to get driving asap, and as ill be getting my provisional i just want to know if that means i can dive without another driver with me?...


 He took money off me and now wants more ? and is threatning to go through insurance?
hi there, i hit the car infront of me on the motorway in stood traffic, the guy infront braked really hard to i bummped in to him. He only had a small scratch on his rear bumper and said his car is ...


 Will car insurance cover serious engine damage not from an accident?
...


 Do you have to take a written or driving test to get ur permit?
...


 I was stopped by the police and didn't have auto insurance. Should I get a lawyer?
I live in De. First offense is a 1500 dollar fine and 6 month suspended license....


 Hi people, I was driving my car without any Road Tax and got flashed for speeding.?
Can anyone tell me What consequences will I have to face?
T...


 My dad passed, my mother does not drive. Does the car in the garage need to be insured?
Ya, dads gone. His car sits in the garage. Does the car need insurance, better yet -does my mom need to pay the premium?

The only time the car will be used is when one of the three ...


 A drunk driver just hit my house last friday. What should I do, call driver insurance or my home insurance?
A drunk driver just hit my house last friday. No one got hurt but my sun room (patio) is all damaged. My famlity also got scared to stay in the bedroom since the car hit some part of our bedroom ...


 Had a car crash it was my fault i think i have whiplash can i put a claim in for my self and my daughter?
my daughter is ...


 Where can i find cheap car insurance?????
im 19 and have a vectra any one know where i can find cheap inssurance and is it better to do me or another family member as the main ...


 I reversed my car into a stationary car tonight. I am now liable for £500 excesss!?
I am now very depressed and my husband isn't talking to me. Pllease say someting nice to cheer me up....


 My mot runs out on the 3rd of nov, can i still tax my car with it today, 31st oct?

Additional Details
also, how does it work doing it online if you have to produce documents ...


 Do you need insurance if you are not going to drive the car?
For example if you had a parked car on the side of the road would you need it to be insured??

Because what would happen if your handbreak snapped and it rolled into another car? Who's ...


 What would you do if an old lady flipped you off while driving your car?
...


 Will i get banned from driving if i have 6 points on my driving license in the first two years of driving?????
...


 I wrecked my car friday, Do you think my insurance will give me a rental car?
I flipped my car into a creek and completely totaled it. That is the only car that me and my husband have. We have full coverage Allstate insurance. They still haven't gotten ahold of us yet. Do ...


 If someone hit and runs you while you're parked, will insurance pay for the damages.?
I realize this may vary from state to state. So, in general.
Additional Details
I should add that you don't witness the incident....


 No wittiness?
when a bus hits you in the back of your car in a traffic jam and wrights it off and you have photo proof but do not have a witness only your passanger.and then the bus driver say's you overtook ...




Copyright (c) 2009-2013 Wiki Law 3k Sunday, October 26, 2014 - Trusted legal information for you.
Archive: Forum  |  Forum  |  Forum  |  Links
0.014