| Message |
Author |
|
 Posted: Thu Jul 02, 2009 5:13 pm Post subject: I rear ended someone |
|
|
| i rear ended someone the other day and i dont have auto insurance at the moment, what should i do? im screwed.. |
|
Aliwall1980
New member
Joined: 02 Jul 2009
Posts: 2
1.80 Dollars($)
|
|
| Posted: Thu Jul 02, 2009 5:32 pm Post subject: |
|
|
Well, it all depends on the situation. How much damage was there to each vehicle? The only way to get your car fixed is to pay for it, no other way. However, the other party's insurance company may pay for the damage to their vehicle (depending on their uninsured driver coverage)...but I can guarantee you that either the other party or their insurance company is going to be coming after you for payment!
Were there any injuries?
Is there any way you could make some type of payments or payment arrangements with the other party? Have they contacted their insurance company? Were the police involved? |
|
ChrisBantly
Senior member
Joined: 11 Mar 2009
Posts: 381
Location: Upstate SC
0.52 Dollars($)
|
|
| Posted: Thu Jul 02, 2009 6:03 pm Post subject: |
|
|
It seems that you understand the situation very well.
One of two choices.... pay for the person's loss up front. If they have collision coverage they may file under their own policy. Their insurance company would then seek repayment from you. If they do, my recommendation is to work with them. The company I work for requires me to handle the claim and recovery (was a friggin pain) so I'll work with people. If they can make a large partial payment up front I would probably just accept it and call it a day. Or they can set up a payment plan for the entire amount. But they _cannot_ miss any payments or it goes to a collection company. As long as the person makes these payments they don't pay any interest... just the amount owed. Take my word for it... that is really a sweet deal. Nothing goes on the person's credit history then.
So if the person files with their carrier, don't ignore their carrier when they come looking for money. See what can be worked out. |
|
tcope
Forum Expert
Joined: 22 Nov 2006
Posts: 5063
Location: Salt Lake City, UT
272.29 Dollars($)
|
|
| Posted: Fri Jul 03, 2009 4:07 am Post subject: |
|
|
You have figured it out well 
Which state are you from? Is it a no-fault state?
As the other members have mentioned you really need to find a way to settle things with them. If you are residing in a state where uninsured motorists coverage is not a requirement, you very well can get sued by the other driver.
By the way, what do you mean by you were not covered at that moment? Does that mean you are covered now? Are you looking into the scope of filing claim with the new insurer?
~Jeremy |
|
JeremyHolter
Senior member
Joined: 06 Jun 2007
Posts: 1194
210.30 Dollars($)
|
|
