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Auto Insurance Claims/I hit some one....had no insruance till later that day. No injuries. Texas
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Question
Hi.
I just got a car on 6th evening from a friend.
On 7th morning I took an appointment at insurance office.
I was driving there and I hit some one.
I havent seen the official report, I think it was my fault though. I got citation because it was his right of way not mine and I didnt see him. He didnt get one I think.
accident happend at 1200 pm and no injuires .
At 1245 i went to the insurance office and got liability.
But I dont want to commit insurance fraud with my insurance now.
I offered the guy to get the car fixed cheaper from mechanic I know.
Any idea what to do?
Should I offer to get his car fixed and pay for it or wait for his insurance to claim it? He broke front left light, tire puncture, front left end smashed in. His car was camry model 2002-2006 not sure which exact year. mine is 97 model.
By the judge of the angle of hitting, his hood, bumper, tire, battery, spark plug case would need replacement. I can get all new online at $600-700 and pay my mechanic to do the work on his car.
But when I talk to the guy and asked him man please dont claim insurance, he only siad I dont know, maybe I will consider not doing it nothing sure.
I only have 2000 dollar in my account. I am in school I also have to pay fees. I am real worried. I can get his car fixed but if he claims insruance I dotn have money to pay him and I am a student.
What happens if I cant pay the money to insurance? Can they cut it down to like 50 or 100 dollars monthly?
I am thinking of selling my wrecked car for 600 dollars to get some money when I need to pay him.
Any help appreciated.
thankyou.
The damages that you just described are only what you can see and you would likely be looking at at least $2,000 - $3,000 before all is said and done.
Had the seller definitely cancel their old policy? If not there may be coverage there.
Otherwise, he will need to file with his carrier and they will pursue you for the damages. Yes, they will set up a payment plan for you.
Good luck.
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Answers by Expert:
webfoot
Expertise
Auto damage, liability, insurance fraud. I am a full time auto insurance adjuster with experience in collision, theft, liability and fraud investigation. I am also an ASE Master Auto Tech and I-Car Collision Platinum certified. My experience includes 15 years in the auto repair industry, a B.S. in Criminal Justice, Law enforcement and auto insurance. ****** NO "PRIVATE" QUESTIONS WILL BE ANSWERED. I HAVE FOUND THAT NEARLY ALL PRIVATE QUESTIONS COME FROM PEOPLE WHO ARE CONSIDERING OR ATTEMPTING TO COMMIT FELONY INSURANCE FRAUD AND I'M NOT HERE TO HELP YOU! ****** I AM HERE TO ANSWER AUTOMOTIVE REPAIR, CLAIMS PROCESS AND SOME SIMPLE LIABILITY QUESTIONS. I CANNOT ADDRESS COMPLEX LIABILITY SCENARIOS WITHOUT HAVING ALL OF THE INFO FROM BOTH SIDES IN FRONT OF ME. QUESTIONS ABOUT PREMIUMS OR HOW INSURANCE IS RATED SHOULD BE ADDRESSED TO YOUR PERSONAL INSURANCE AGENT WHO KNOWS A WHOLE LOT MORE ABOUT YOUR HISTORY THAN I DO. I'VE NEVER SOLD INSURANCE AND DO NOT KNOW IF YOUR INDIVIDUAL INSURANCE RATES WILL GO UP IF YOU MAKE A CLAIM. THOUGH I'VE HANDLED SOME VERY MINOR SOFT TISSUE INJURY SETTLEMENTS, I PREFER NOT TO ANSWER INJURY RELATED QUESTIONS. I'M NO INJURY EXPERT AND I'LL LIKELY SAY SOMETHING TO HURT SOMEONE'S FEELINGS AS I BELIEVE THAT MANY SOFT TISSUE PAIN AND SUFFERING CLAIMS ARE OVER DRAMATIZED. UNLIKE MANY OTHERS, I AM ON THIS FORUM AS A VOLUNTEER WITH NO PRODUCTS OR SERVICES TO SELL AND PROMISE AN UPFRONT ANSWER BASED ON MY EXPERIENCE IN BOTH SIDES OF THE INDUSTRY. IF YOU PROVIDE ME WITH A HONEST VERSION OF EVENTS, I PROMISE A CANDID AND HONEST ANSWER IN RETURN. I CANNOT ADDRESS ALL CLAIM SCENERIOS DUE TO DIFFERING STATE LAWS AND REGULATIONS, BUT WILL DO MY BEST. PLEASE REMEMBER THAT AN HONEST ANSWER MAY BE ONE THAT YOU DON'T LIKE SO IF THAT IS GOING TO BE A PROBLEM, PLEASE DON'T ASK THE QUESTION. LASTLY, I DO NOT ACCEPT RATINGS AS I DON'T DO THIS FOR RATINGS AND WISH TO SPEAK FREELY.
Experience
20 years in automotive industry, Currently in insurance claims, worked actively as technician and shop owner until about 10 years ago. Current ASE Master Auto Tech and I-Car Platinum Collision Certifications, B.S. Criminal Justice and 10 year auto insurance/extended warranty background
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