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


    




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.


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.


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


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


Marilyn B
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.


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.


dixie58
Rating
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!


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


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


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.


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.


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


J.R.
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.


mixturenumber1
Rating
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.


Nichole
Rating
Judge Judy ;)


Gatorade
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


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.


juice mini
Rating
take em too court
serve justice


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.





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