Quote:
Originally Posted by Laneco
When someone's car is totalled and they want to pay the damage on mine to "keep the insurance company out of it" - all I hear is "holy **** I have no insurance I hope this guy doesn't figure it out and get me in trouble...
Because if their car is totalled, their insurance company is already involved/notified. If they have one... Even if the car does not have full coverage, the tow-away and amount of damage will make a reporable accident in pretty much any state.
Call your insurance company, give them HER info. Let them collect and sort out the unpleasantries.
angela
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This would send up red flags to me also. A fender bender or swap a little paint is one thing. But when one vehicle is unable to leave the scene with out the help of a tow truck that is a pretty significant accident. No doubt if this car was as bad as it sounds the police were involved and a report was filed with the DMV. In NJ an accident like this automatically ends up on both drivers records. The report only states "reportable accident". It doesnt state who is at fault. When it is time to renew your insurance both parties got some splainin to do. An at fault accident in NJ translates to $800- $1,000.00 increase in premium for 3 years. Unless you can prove you were not at fault. All the more reason to reprort the accident promptly. In Freds case this charge will get assigned to Freds dad as the driver at the time of the accident not to Fred as the owner of the vehicle.
If the other driver does not have insurance then coverage falls under Uninsured/underinsured motorist and is not chargable to Fred.
and it goes on depending on what arrises but that's the basics.
Again this is NJ not PA.