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Old 06-28-11, 10:59 AM   #1
phantomcow2
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Auto insurance company and a hit and run.

After a long day fishing I parked my car on the street last night. An hour later I hear a knock on the door and it's a guy who lives on the street, though we haven't actually spoken before. "Are you the owner of the accord with NH plates," he asked? I said yes, and he told me that he literally just witnessed his neighbor's car with four teens back into my car, get out, look at it, then get back in their car and drive off.

Of course the front fender driver side is completely crushed, along with some other damage. I called the police and they sent an officer over. The officer took a statement from the witness and said he'd be in touch within a day or two.

So I called my insurance company and set up a claim. They're gonna contact the police department for a copy of the police report, that way they may contact the witness and offenders.

So my question is more of a procedural one. I have a job starting in two weeks and I need my car ready by then. I went to a reputable body shop who quoted me about $1400 for the repair. So clearly the other guy's insurance is gonna have to foot the bill for this one. Will my insurance company give me the money right away (after they've received the police report, of course) and pursue the offender's insurance company for the funds? Or will they pursue the other guy's insurance for the funds first, then allow me to get the repair?

My concern is that it'll take a long time if it's the latter.
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Old 06-28-11, 11:53 AM   #2
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If you want it fixed now, you will be responsible for your deductible and if your ins. co can get the ins. co of the hit and run driver to pay, you will be reimbursed. If you wait for the procedure to work itself out so you are paid first, it is going to take longer.
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Phobias are for irrational fears. Fear of junk ripping badgers is perfectly rational. Those things are nasty.
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Old 06-28-11, 02:52 PM   #3
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If your insurance pays the claim they will charge you the deductable till they collect from the other dudes(if they have insurance.Get 2 estaments from those (over the top)Honda dealers.

What you should really do with the loot:
Lets face it,the car is a college beater.Slap some bondo in the dent,have the drones at Macco spit some paint on it,pocket the scratch for a suit,haircut,aftershave,whatever.No point in polishing a turd with that Johnny Carson salary/job you just landed.
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Old 06-28-11, 02:56 PM   #4
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The kid just landed in a barrel of poop and will come out holding diamonds
Keep parking that thing where it will get hit.
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Old 06-28-11, 03:08 PM   #5
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Sounds like you're going to have to pay and probably wait a while to get reimbursed. Sucks, but that's how things work. Maybe you could have talked to the kid's parents about them paying to get it fixed on the hush without getting police involved. Might have been cheaper for them in the long run (increased insurance and whatnot) and faster for you, but now you're going to be out the cash for a while. Hope you have some to spare.
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Old 06-28-11, 03:15 PM   #6
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If you want it fixed now, you will be responsible for your deductible and if your ins. co can get the ins. co of the hit and run driver to pay, you will be reimbursed. If you wait for the procedure to work itself out so you are paid first, it is going to take longer.
This is the way it worked when I got hit by an "uninsured" driver. I got money for my damages, minus the deductible. I was laid off at the time and made minimal repairs and kept the money. I owned the car outright at that point; if I owed on the loan, the check would have gone to the bank and me jointly and probably would have had to go to the body shop. Later on, when it turned out that the "uninsured" driver was actually insured, I got a check for the amount of my deductible. (She went to her insurance agent when my insurance moved to garnish her wages.)
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Old 06-28-11, 03:25 PM   #7
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This all goes back to the same crap we have in Ohio to show proof of insurance.

You go to pick up your car plates and sign a paper saying"I gots insurance".No insurance card needed.
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Old 06-28-11, 03:28 PM   #8
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"long day fishing"?
At the girlfriends again?
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Old 06-28-11, 04:12 PM   #9
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What you should really do with the loot:
Lets face it,the car is a college beater.Slap some bondo in the dent,have the drones at Macco spit some paint on it,pocket the scratch for a suit,haircut,aftershave,whatever.No point in polishing a turd with that Johnny Carson salary/job you just landed.
Do you have a job? The car's body is in excellent shape except for rust above one wheel arch, which I intend to eventually replace. I don't consider my vehicle a "college beater." Whether or not you do isn't relevant, either . I got an estimate from an independent but reputable auto body shop in a relatively low cost area. I've been driving this car since I was 16 and have never hit anybody nor been hit. Also the affected area is in excellent condition, with absolutely no paint chipping or even deterioration. My indicator light is broken and hanging off -- it wouldn't even pass a state inspection.

I'll be honest, I deliberately opted not to try and settle this matter privately because of the nature of what she did.
The witness claims she hit my car, got out, looked at it, then drove off. That's a hit and run, and a blatant attempt to avoid remedying her damage; I'd be stuck with the bill myself if not for the witness. This doesn't give me reason to be confident that she'll hold up her end of responsibility. That leaves me inclined to do things the legal and official way.
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Old 06-28-11, 04:13 PM   #10
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Why not head over to the neighbor's house and have a little talk with the parents? Get their insurance info and have that insurance company pay. Seems like the right outcome under the circumstances.
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Old 06-28-11, 06:40 PM   #11
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Why not head over to the neighbor's house and have a little talk with the parents? Get their insurance info and have that insurance company pay. Seems like the right outcome under the circumstances.
Bingo!
Time to grow a set.
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Old 06-28-11, 07:00 PM   #12
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Do you have a job? The car's body is in excellent shape except for rust above one wheel arch, which I intend to eventually replace. I don't consider my vehicle a "college beater." Whether or not you do isn't relevant, either . I got an estimate from an independent but reputable auto body shop in a relatively low cost area. I've been driving this car since I was 16 and have never hit anybody nor been hit. Also the affected area is in excellent condition, with absolutely no paint chipping or even deterioration. My indicator light is broken and hanging off -- it wouldn't even pass a state inspection.

I'll be honest, I deliberately opted not to try and settle this matter privately because of the nature of what she did.
The witness claims she hit my car, got out, looked at it, then drove off. That's a hit and run, and a blatant attempt to avoid remedying her damage; I'd be stuck with the bill myself if not for the witness. This doesn't give me reason to be confident that she'll hold up her end of responsibility. That leaves me inclined to do things the legal and official way.
My patience is wearing thin with you homeslice.
I never suggested anything illegal.The insurance claim is up to you and how you spend the money to fix your bea....er...classic honda.Do it your way chump and all the aggrevation on you is for free and the body shop prospers.
Now get off the thread before I turn the garden hose on ya.
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Old 06-28-11, 07:21 PM   #13
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Ask if the insurance company has a preferred vendor (or two). They will be use to working claims with your insurance company. In the past when my wife's Miata ras struck from behind (on 3 diferent occasions), the shop took care of everything. I didn't have to pay anything, plus on one occasion got a rental for the time in the shop. A rental may help with the new job if the scheduled repair cuts it close.

On one occasion, I worked at a Lexus dealerhip (repairs not done there) and the rental place gave me a Kia. I went to work in the Kia and with a straight face asked other sales reps and managers how they like my new car. Then poured it on doing the sales features BS singing it's praises. Had them going for a while until they wanted to take it for a spin and I forgot to take the rental keychain apart.
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Old 06-28-11, 08:22 PM   #14
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A couple of years ago I was rear-ended at a stop sign by a teenager who wasn't paying attention. At first I tried to be nice and just let her dad pay for it without involving the insurance. He didn't believe the estimate I got from the dealer for repairs and he wanted to personally inspect my car to see what the damage was before he paid me. He also suggested that I didn't need to get my fiberglass bumper replaced, but that I could just pound out the dent.

Needless to say, I filed a claim with his insurance. I was heading out of town and told them I needed to get the car fixed before my trip. I made the appointment with dealer to fix it and it was done within a week.
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Old 06-28-11, 10:23 PM   #15
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Pay for the repair out of pocket. Burn the offending neighbour's house down. Throw a road flare in the back seat of their car.
It's the only way they'll learn.
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Old 06-29-11, 07:27 AM   #16
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Do you have collision? If you have liability only, your insurance won't do anything.
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Old 06-29-11, 05:29 PM   #17
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A couple of years ago I was rear-ended at a stop sign by a teenager who wasn't paying attention. At first I tried to be nice and just let her dad pay for it without involving the insurance. He didn't believe the estimate I got from the dealer for repairs and he wanted to personally inspect my car to see what the damage was before he paid me. He also suggested that I didn't need to get my fiberglass bumper replaced, but that I could just pound out the dent.

Needless to say, I filed a claim with his insurance. I was heading out of town and told them I needed to get the car fixed before my trip. I made the appointment with dealer to fix it and it was done within a week.
That same kid is still on the road because he caused damaged to my car a few weeks ago. Same situation, I did as you and he had to pay. The kid was acting so strangely that I asked what was up and he said he was driving his grandfathers car (which he wrecked) because his was in the shop from an accident he was involved in. Stupid!
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