by Guest » Fri Jan 04, 2008 11:45 pm
hi, i currently need help with my problem.
1 month ago i was at fault at a very minor car accident.
i was reversing at a parking lot, and from my blind spot a car comes rushing through and hits my bumper, there are no dents after the hit just paint scraped on my bumper and his 2 doors.
i didnt really find the dmg that big of deal so didnt realy mind so much.
and it seemed he didnt either, we just got each others names and numbers and license number..no insurance information was traded
i thought he would call me after a day(no report was made at the site), or so but he didnt, so i went ahead and repaired my own dmges to my car which was just paint.
1 month later from the accident he calls me wanting to settle the accident and file a claim and everything, but im already past it and have repaired my car. so my question is isnt he to late to file a claim? do i have to continue discussing the issue with him? all he has on me is my name number and license... can he take legal action on me with just that?
so should i actually continue to file the insurance claim or wil it b safe for me to leave it alone?
thank you for ur advice
1 month ago i was at fault at a very minor car accident.
i was reversing at a parking lot, and from my blind spot a car comes rushing through and hits my bumper, there are no dents after the hit just paint scraped on my bumper and his 2 doors.
i didnt really find the dmg that big of deal so didnt realy mind so much.
and it seemed he didnt either, we just got each others names and numbers and license number..no insurance information was traded
i thought he would call me after a day(no report was made at the site), or so but he didnt, so i went ahead and repaired my own dmges to my car which was just paint.
1 month later from the accident he calls me wanting to settle the accident and file a claim and everything, but im already past it and have repaired my car. so my question is isnt he to late to file a claim? do i have to continue discussing the issue with him? all he has on me is my name number and license... can he take legal action on me with just that?
so should i actually continue to file the insurance claim or wil it b safe for me to leave it alone?
thank you for ur advice
Posted: Sat Jan 05, 2008 08:00 am Post Subject:
The other person has a legal right to collect as long as it's within the Statue Of Limitations time frame. Now sure what state you're in but that is at least 1 year and can easily be up to 4 years.
In an accident you are _required by law_ to exchange insurance information. He can still file a police report and you may be required to go to court and supply this info (possible but it does not happen often).
My recommendation is to either notify your carrier of the accident or contact the other person asap and see if you want to pay for the damage yourself. In either case, I'd do it yesterday.
Posted: Sat Jan 05, 2008 09:59 am Post Subject:
Hi there, if you are the at-fault party you are liable to compensate the damages caused to the other driver. I guess you have no confusion regarding this. Moreover, one can file a claim within the state's statue of limitation. Which state are you from?
Posted: Sat Jan 05, 2008 10:06 am Post Subject:
Yeah lemon2007 is right, although it is customary to report is just after the impact.
However, its sounding to me like a scam as a month has already passed by and there is no proof that the car hasn't got into any other accident after the first one with you. As you are describing it as a low impact accident, I am assuming that there is no photograph of the damages was taken. Hence it may give the adjusters a real hard time to establish the extent of the damages caused by your car.
Lets await the experts comments on this matter.
Posted: Sun Jan 06, 2008 12:26 pm Post Subject:
However, its sounding to me like a scam as a month has already passed by and there is no proof that the car hasn't got into any other accident after the first one with you
ah come on scam? nah, holidays are in the time frame, don't know about this guys personal life could've been illness or death in the family....If the OP has the means would likely be best to pay this out of pocket...since he hasn't ''promptly reported all accidents'' per his insuring contact and on top of that has repaired his damage....but im already past it
I find this funny....he's not his vehicle is still damaged!all he has on me is my name number and license... can he take legal action on me with just that?
The tone of this is also concerning...''all he has on me'' come on again! and yes, that is more than enough information to cause you A LOT of trouble!!!!!!!Op, do you not feel ANY moral obligation to fix the damage you caused? What if the shoe were on the other foot? Maybe you got busy and for whatever reason....and trusted this guy (you in this case) to be a stand up guy and take responsiblity for his actions.... And yes, you do have a legal obligation...I would advise, NOT hiding from this poor guy, and getting a couple of estimates from him for the damage repair and if you can afford to pay for it do so, if not turn it into your carrier and hope and pray they don't deny it for failure to report (most won't but they CAN)....
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