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Auto Insurance Claims/Co-worker won't give me her insurance info
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Question
A co-worker wants to pay me cash for damage she did to my parked car at work. I took it to a body shop today and the damage is almost $400. The guy told me to get money for a rental car as well because he will have to keep my car for 2-3 days. On Monday I will confront her with the estimate plus the fact that I will be carless for a few days and want a rental....I'm sure she won't like the price. What can I do if she still refuses to give me her insurance info? I've already asked her for it, but, she says she doesn't want to use it because her rates will go up, blah, blah, blah. I'm afraid she will use a million excuses about how she doesn't have the money, etc. Thank you for your time.
Hi Dawn,
You will need to have a copy of the estimate from the body shop as well as a print out of the cost of the rental. You should write up a letter to give her with the bills stating that if she does not pay you in full in cash within 24 hours of presenting her with the bills that you will call the police to come and make an accident report at which time she will have to provide her insurance info to the police officer.
That way either you get paid by her or yo get her insurance info to file a claim.
I hope this helps
Richard Hixenbaugh
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| Rating(1-10) | Knowledgeability = 10 | Clarity of Response = 10 | Politeness = 10 |
| Comment | Thanks for the prompt and helpful advice. Besides the copies of the estimates and car rental I have also made a copy of Arizona (my state) Law concerning a hit and run on parked vehicles, (which she did do), just in case she doesn't think I can get her into serious trouble. She did admit hitting the car and leaving the scene. Thank goodness there was another co-worker there that witnessed the accident. Hopefully, she will pay without questions, but, I will be very prepared in case this gets ugly! Thanks for your help. | ||
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Answers by Expert:
Richard Hixenbaugh
Expertise
Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.
Experience
I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.
Organizations
Society of Certified Auto Appraisers
Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.
Past/Present Clients
My company has done work for consumers nationwide.
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