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I swear, life is a test.

Sent my dad and mom on a 150 mile round trip this am to pick up a rear axle for me. I sent them in my nice truck, which I just spent yesterday detailing up .
On their way back, at a redlight, some young girl in a saturn blasts into the ass end of the truck. She ran smack into my trailer hitch, and rear bumper. I believe her car is not going to make it, my dad said it was pretty bad, hood, bumper, lights, grille, rad, etc...
I already had some rust starting on the tin foil bumper that GM put on this truck. Just yesterday , while I was cleaning it up, I noticed some bubbling under the chrome, and I am sure if I poked at it enough, I would have had a hole. Now, I have a hole, and some denting around the rusty area.
Do I let her insurance buy me a new bumper? , or do I let this girl off the hook? She asked my dad , if she could just pay us, and not turn it in.to her ins. I was sort of thinking about buying a new bumper this winter anyhow.
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Old 07-30-2012, 10:11 AM
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Tell her she can buy you a nice used bumper and you'll put it on yourself. Win/win
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Old 07-30-2012, 10:13 AM
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It is always amazing to me how many big pickups have a tin foil thickness rusty bumper.

My 1986 El Camino has a real BUMPER! 15 years ago some kid in a new Honda rear ended me on a snowy day. The entire front end of his car was destroyed. It put a little tiny scratch on my bumper that I have never bothered to fix. I only notice it when I am waxing the bottom of the tailgate.

I figure the best part was I was in the Elky, not the 911. I would have killed the kid and I would be in jail now.
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Old 07-30-2012, 10:24 AM
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You let the insurance handle it just so she can't come back on you with something later
Glad your folks are okay
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Old 07-30-2012, 10:29 AM
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Least stressful for u all is to let the ins. co. handle it. Could be whiplash issues too for your parents. Young ones don't learn anything if they get breaks all the time.
Sign off old fashioned dad.
Old 07-30-2012, 10:36 AM
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I'm sure you know what to look for already but make sure the hitch and rear rails aren't bent.

More importantly make sure your folks are feeling alright. Sounds like if was low speed but sometimes it can take a day for the soreness to set in. I'm not advocating hammering the gal for injuries but if your folks feel like they need to be checked out the girl is on the hook.

Aftermarkent/Reman/LKQ bumper assembly plus labor to install is going to be close to $500. Get her insurance information now while she's still talking to you. That way when she balks you can file the claim yourself. BTDT, I work in insurance. If I had a dollar for everytime I heard, "Well, they said they wanted to just pay and not involve insurance, but then they wouldn't so now I"m filing a claim."


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Old 07-30-2012, 10:43 AM
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I bet a dollar she was busy texting and not paying attention to driving.

I agree, call the insurance company. Maybe she will learn to put her phone away before she kills someone. At the very least she will pay more attention to driving.
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Old 07-30-2012, 10:45 AM
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life is a big effen test..and it isnt a multiple choice test either..full on essay test.

i would go through insurance. not doing so, only helps her, not you.
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Old 07-30-2012, 10:50 AM
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Sorry these are not all quoted. I am glad your folks are ok.


Quote:
Originally Posted by vash View Post
life is a big effen test..and it isnt a multiple choice test either..full on essay test.

i would go through insurance. not doing so, only helps her, not you.
You let the insurance handle it just so she can't come back on you with something later
Glad your folks are okay

Least stressful for u all is to let the ins. co. handle it. Could be whiplash issues too for your parents. Young ones don't learn anything if they get breaks all the time.
Sign off old fashioned dad.

I bet a dollar she was busy texting and not paying attention to driving.

I agree, call the insurance company. Maybe she will learn to put her phone away before she kills someone. At the very least she will pay more attention to driving.
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Old 07-30-2012, 11:04 AM
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The days of settling in private are unfortunately over. I've done it a few times, but no more.

However, don't expect much depending on who has what insurance. I'm fighting Allstate right now for peanuts and they are stuck on screwing me. According to my attorney this is par on their course.
Old 07-30-2012, 11:06 AM
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This sounds like too much damage to let slide without documentation.

So....

1) contact your ins. co. and let them advise you. (hope you got a police accident report)

2) make sure your folks are OK - even if it means an exam

That's all I have for now..


BTW my Silverado rear bumper was crooked when I bought the thing and has suffered even more angst since. It's a work truck so no worries.
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Old 07-30-2012, 11:08 AM
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Tell her you want $500 PLUS YOU WANT SOME! Let us see wat she says then?
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Old 07-30-2012, 11:15 AM
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That is good news your folks are ok and unharmed!

Find out if she even actually has insurance. If she doesn't, then a police report should be made and an uninsured motorist claim should be filed with your insurance company. There is a place for compassion (see next scenario). Unfortunately there are too many uninsured motorists running around and it is causing everyones rates to skyrocket. The police/judicial system and governmental system are doing naught about it for some reason.

If she does have insurance, then if all that was done damage wise was to your bumper which you admit was possibly on it's way out to begin with, let her try to pay for it. Your call on used or new bumper and labor. However set a deadline and make it clear that if the deadline comes and goes with no action on her part, to the insurance company you go!
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Old 07-30-2012, 11:18 AM
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Mann, that is not sound advice. Remember Rick Lee's wife's deal when she backed out of the driveway, stopped and got tagged. By the time Rick met the driver's mother, the story had changed that Rick's wife backed into a passing car.

You can't let people have an inch today. They'll claim a foot against you.

BTW, police reports in my city are self filed unless there is an injury or damage to public property. Ask me how I know. Then we file an mandatory SR1 form with the DMV for cumulative damage over $500. These become public records.

In CA, if Fred or the girl (both) don't file, you lose your license. So, settling on the side can actually bite you worse. And, well, if the girl's car is totalled, that's a pretty serious accident.

Last edited by Zeke; 07-30-2012 at 11:49 AM..
Old 07-30-2012, 11:24 AM
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Zeke,

If a person is going to try to screw you, they're going to do it regardless of whether the victim files a claim or not. There is no mention of a police report being filed so we can make no presumptions there. If Fast fred is in a no-fault state the claim would be filed with his insurance and not her's. Filing that claim, even if he isn't at fault can potentially have negative effects on his rates. So in this case it may perhaps be worth considering doing this all outside the scope of the insurance companies. It certainly is a fine line and delicate balance however.


BTW, naturally I do not have all the details of this specific situation, however from past direct experience (of being the victim in the accident), this non-insurance route is typical of a driver who either does not have insurance or does not have a drivers license. In which case filing a report and claim is the only way to go as any rise in rates due to filing a claim is peanuts compared to what we are all paying for uninsured motorists.
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Old 07-30-2012, 11:51 AM
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Every time I've let someone try to "keep the insurance company out of it", I've been screwed.
Make sure you have a police report and contact your insurance company.
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Old 07-30-2012, 12:15 PM
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Quote:
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Zeke,

If a person is going to try to screw you, they're going to do it regardless of whether the victim files a claim or not. There is no mention of a police report being filed so we can make no presumptions there. If Fast fred is in a no-fault state the claim would be filed with his insurance and not her's. Filing that claim, even if he isn't at fault can potentially have negative effects on his rates. So in this case it may perhaps be worth considering doing this all outside the scope of the insurance companies. It certainly is a fine line and delicate balance however.


BTW, naturally I do not have all the details of this specific situation, however from past direct experience (of being the victim in the accident), this non-insurance route is typical of a driver who either does not have insurance or does not have a drivers license. In which case filing a report and claim is the only way to go as any rise in rates due to filing a claim is peanuts compared to what we are all paying for uninsured motorists.
I disagree with what you believe. I think we can leave it at that.

Apparently, PA is a "no fault choice" state, 1 of 3. FL is a true NF state. CA is a true tort state, hence my opinions.

Last edited by Zeke; 07-30-2012 at 12:31 PM..
Old 07-30-2012, 12:25 PM
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Quote:
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Mann, that is not sound advice. Remember Rick Lee's wife's deal when she backed out of the driveway, stopped and got tagged. By the time Rick met the driver's mother, the story had changed that Rick's wife backed into a passing car.
I was just gonna mention that. In the neighbor's mom's defense, for all we know, their insurance decided on their own that my wife was at fault and the neighbor didn't claim such. That's the problem today. If you don't document it and get on record asap, the guilty party can either change their story or their insurance can assume you're at fault for not calling them first.

When I rear-ended a car years ago, all occupants said they were fine and assured me several times no one was injured. Less than 10 min. later I called it into my insurance co. and one of the passengers had already call in and claimed injury.
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Old 07-30-2012, 12:35 PM
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"It's the right thing to do" should be enough reason to call your insurance company. Protecting yourself, a la Rick Lee, is another. If you want more reason, read your policy. It likely states that you must inform them if material damage occurs to the vehicle they insure. If you don't, that my friends is insurance fraud and the downside effects are not trivial. Imagine trying to underwrite a new policy and having to answer the question, "Have you ever been denied Insurance in the past, and why?" "Yes. Because I was a moron and didn't disclose an accident and instead took $500 in cash for a shiny new bumper. Doh."
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Old 07-30-2012, 01:49 PM
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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.

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Old 07-30-2012, 02:20 PM
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