Rear ended, at fault party has no insurance. What to do?

Miss Motor Mouth

In this case you should absolutely report it to your insurance company because now they will get to do their job! They will contact the person who hit you, make sure that the damage is covered, get the law involved if needed...everything! This is what you pay for so tell your insurance company everything and let them handle it.

Alexis .

if he really wants to pay you, take his money,
but it sounds like it's alot of damage, probably not within his budget
if you want to cause a big stink call a lawyer,
your insurance will pay anything after the deductable.
if it is his fault, then his insurance should have paid you.
I'm going through a fender bender and we finally got the insurance involved and they're going to find out who was at fault.
ok good luck

Ian F

Well, since this will be in small claims court, you probably won't need a lawyer, but you might want to consult one.

You'll go to a body shop and get an estimate, and then when you tell the guy he's going to be all shocked at how expensive it is and he'll tell you "I know a guy who can pull out dents for 50 bucks, man what are you talking about?!" And then it'll be like squeezing blood from a stone to get any money at all out of the guy, so you'll have to take the dumbass to court.

You're going to regret not having a police report.

And from now on, you're going to carry uninsured motorist coverage.

Just me again â˜º

I agree with mattzfigjam
But if he doesn't pay take him to small claims court and make him pay'
If he does not show up in court.You can get a judgment against his license.This means his license will be suspended until he fulfills the judgment.

Mickie K

File a police report, inform your insurance,repair the damage and sue the other person for your deductible. If he claims to be willing to pay, then it is up to you whether or not you trust his word. But do file a police report so you have a record of the accident for future refrence if you need it. Good Luck

Chatelaine

Not having a police report is not going to help. And not contacting your insurance company isn't going to help either. And taking this guy on his word is the third thing that's not going to help. For pity's sake, contact your insurance company; that's why you pay premiums, for such an event as this. And yeah, you're going to need a lawyer to figure out how to get money out of the person who hit you. You could sue him in small claims court, but if you don't have pictures of the damage, that will be the fourth thing that isn't going to help.

genghis1947

If you want any chance of collecting damages, report the accident. Dont know where you live, but most states I know of require reporting damage over $300 or injury. Standard ploy of the guilty person offering to pay. Give him the bill though he will say he won't pay and you're too late to report it. I have yet to see an uninsured driver pay for damages unless taken to court. That's why they don't have insurance. They don't care if they injure others and never take responsibility. In my state, don't report an accident with over $300 damage within 5 days and you're good for a 1 year suspension of your license.

danrmar29

that guy says hell pay for the damage. then while u spend a couple days getting the quote. you have missed the oppurtunity to file a report. u go back to him with the quote. hell ask to make payments to you since he has no money. u agree because u cant file a report. and he never sends money, or answers his door or phone. happended to my wife.

oklatom

The best advice you can get it this. File with your insurance company, telling them what the party said. They can collect the money and get the proper forms signed and you can get your vehicle fixed. But you really should have filed a police report. Why? Well, suppose this person suddenly gets amnesia and claims that conversation never happened, and you backed into his vehicle? His word against yours now.

Matt & Zak

id get three quotes, take the middle one and get the cash and run with it .... if you tell your insurance your premium will go up

kuntryguyy

Get 3 estimates for the repairs. If the lowest estimate is more than $2000, call your insurance company. If not, work it out with the person that hit you.

pplz1st

if he didn't pay on the spot there will be none. i went through that too and still don't know what to do.--injured besides.

MSAD

The easy way to do it: call your insurance company and file a Uninsured Motorist Claim (UM). Once your company verifies the other driver did not have insurance, they will be able to settle up with you under your um coverage. This includes providing a rental car while yours is being repaired.

Once they have settled up with you - they will contact the other driver to get him to pay them back. They will let him set up an interest free payment plan.

In the mean time, you will have your car fixed and getting paid back is your insurance company's baby. Your insurance company would have more leverage to get paid back. Usually they can have the other driver's license suspended, hire an attorney to sue him, turn him over to a collections agency.

rkeech

File a police report! Better late than never! If you do not, you may have no future recourse against the at-fault party should he fail to follow through on his promise to pay for the damage. In addition, most states require motorists to have insurance, and your state may be one. If it is, the state may take steps to ensure that the at-fault party does not continue to drive without it.

I do not believe your insurance company can raise your rates for an accident in which you are not at fault. It would make sense to talk with your insurance agent to find out. If you have purchased uninsured motorist coverage, it may help you in this case. Then you can let the insurance company worry about going after the at-fault party.

Roxanne

Judge Judy!!!!

martymar1222

You should have gotten the police to come and file a police report. I believe that in most states, it is illegal to drive without insurance.

â™¥ Uwish â™¥

Your best option would be to use your own insurance company for the repairs on your car, so you don't get stiffed by this guy,

If he is willing to pay, then good, let him reimburse your insurance carrier for the damages. That way if he doesn't cooperate your company can send him to collections.

UCANTCME

TRY AND GET A POLICE REPORT NOW AND YES SOMETIMES YOU STILL CAN GET ONE, TURN IT OVER TO YOUR INSURANCE COMPANY AND THEN SUE THE OTHER PARTY.

oneblaquegirl

Get your estimates, give him copies to see if he will pay. Problem is your insurance will only pay if you have a police report. You weigh your options and choose.

yusun

Go to a dealership and get a quote on how much the damages will be. Do this within the next day and see if he is willing to pay. If not, report damages to your insurance and talk to them.

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