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Fender bender what to do?

Old 11-30-2019, 12:43 PM
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Default Fender bender what to do?

Over the holidays I visited some family in Ohio (I live in FL). While there they had 60 mph winds. I was in a grocery store parking lot and the wind picked up and I lost my grip on the door And it hit the truck next to me. My fault, I told the guy and took responsibility (he saw it anyway).
It was my family members car (I was driving) and I didn’t want to get them involved and it was a minor (what I would call a ding not even a dent). The guy is really giving it to me hard about how his 19 year old truck is flawless. Even thought he has no headliner and ripped seats.

so I say let’s not get insurances involved and I’ll pay you, just get a quote. Well he comes back with a quite (he hasn’t shown me yet) of $1650. When he told me I was getting on a plane to come back to Florida. I was speachless.

His truck is worth 5-6k, so I know he’s putting the screws to me.

so what day THT, I want to see the quote,
give it to my insurance( my ded is $500)
pay him off?

Last edited by WPBTH; 11-30-2019 at 12:55 PM.
Old 11-30-2019, 12:48 PM
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Send him 5 bills and write him off as family...
Old 11-30-2019, 12:51 PM
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Originally Posted by cphilip View Post
Send him 5 bills and write him off as family...
It wasn't his family truck , he was a driving a family members car .
Have him take it three body shops , get more estimates , maybe Maaco ?
Old 11-30-2019, 12:53 PM
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If it wasn't his vehicle then he should be ignored. Deal with the owner directly.
Old 11-30-2019, 12:58 PM
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Did you take photos of the ding? The overall condition of the truck? Did the other party take photos?
Old 11-30-2019, 01:00 PM
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Originally Posted by cphilip View Post
If it wasn't his vehicle then he should be ignored. Deal with the owner directly.
OK , The OP was a driving a family members car , he let the door hit a truck , causing a door ding .
He wants to take responsibility for his mistake , but the owner of the truck is being dick .
He is asking how to handle it .
Without involving the family member who owns the car .
Old 11-30-2019, 01:03 PM
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Your deductible is for comp/collision, not liability.
Old 11-30-2019, 01:11 PM
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Might as well let your insurance company deal with an a-hole like that.
It is not a driving incident, so it won't count against your loss record.
That is the stuff you buy insurance for - no sense getting aggravated over some person thinking the hit lotto.
Call your insurance company, get a claim number and then call the fool back and give him the insurance company phone number and claim number, and then tell him never to call you again.
Old 11-30-2019, 01:21 PM
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Originally Posted by Smitty 45 View Post
OK , The OP was a driving a family members car , he let the door hit a truck , causing a door ding .
He wants to take responsibility for his mistake , but the owner of the truck is being dick .
He is asking how to handle it .
Without involving the family member who owns the car .
here
Old 11-30-2019, 01:38 PM
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Fix a dent $150 ....pop it out
Old 11-30-2019, 01:44 PM
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The OP's auto insurer is quite possibly secondary to the insurer on the family members car. If so, the OP's auto insurer is not likely to step up. I think the OP is stuck with poor choices. My first question would be to ask the family member what his deductible is on the vehicle involved. Probably just going to have to take it in shorts for the whole enchilada.
Old 11-30-2019, 01:51 PM
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Originally Posted by Pez Vela View Post
The OP's auto insurer is quite possibly secondary to the insurer on the family members car. If so, the OP's auto insurer is not likely to step up. I think the OP is stuck with poor choices. My first question would be to ask the family member what his deductible is on the vehicle involved. Probably just going to have to take it in shorts for the whole enchilada.
Should not be a deductible for liability. I would suggest letting the family members insurance deal with it and if his insurance goes up reimburse him.
Old 11-30-2019, 01:54 PM
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Turn it in on the family member's insurance. It will fall under the comprehensive coverage, not collision. Collision rates will not go up. Pay the family member the deductible if there is one.
Old 11-30-2019, 02:00 PM
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I’m driving a flawless 18 yrs old truck ( in my mind) that I have been taken care of from new to now. I would take my truck to the finest body shop in the city to have my damage repaired ( on your dime). Matching old paint with new is an art. If you squeal to much I’d just call your insurance company and explain what happened including you attempting to avoid opening a claim. It’s not the fellas old trucks fault you slammed into his door and the headliner or lax of is irrelevant. He was kool not just going the insurance route in the first place. Don’t get cheap on me dodgson.
Old 11-30-2019, 02:03 PM
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Originally Posted by jrolin1 View Post
Should not be a deductible for liability. I would suggest letting the family members insurance deal with it and if his insurance goes up reimburse him.
You are correct ... in my haste to post, I made an obvious error. Thanks for setting the record straight. Life's too short to mess around with this headache. That's what insurers do all day every day. Good recommendation.
Old 11-30-2019, 02:03 PM
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Originally Posted by Smitty 45 View Post
OK , The OP was a driving a family members car , he let the door hit a truck , causing a door ding .
He wants to take responsibility for his mistake , but the owner of the truck is being dick .
He is asking how to handle it .
Without involving the family member who owns the car .
Send him $500 and tell him he's like family to you?
Old 11-30-2019, 02:18 PM
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I gently bumped a guy this past summer. He came running out and checked his car. Couldn’t find any damage. I left my car and came back in a hour to find the police there and the guy on the phone with his insurance company.

Cops couldnt even find the ding and were shaking their heads.

I let the insurance companies deal with it and just wrote my Insurance’s company a check for $1100 to cover the loss the guys company paid out. Total BS but if your dealing with a a hole Best to let insurance companies handle it and subjugate (sp) the loss afterwards. Won’t hurt my rates since they are not out of pocket any money.
Old 11-30-2019, 02:23 PM
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I'd rather give my family member $1650 towards whatever grieve they get after turning the claim over to their insurance company.
Old 11-30-2019, 02:39 PM
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Originally Posted by Pez Vela View Post
The OP's auto insurer is quite possibly secondary to the insurer on the family members car. If so, the OP's auto insurer is not likely to step up.
In this instance, it is the OP's personal liability as the vehicle was not in operation at the time he opened the door into the other car. No different than if you lost control of a shopping cart and that hit someone's car.
There is no deductible for liability claims.
Old 11-30-2019, 02:44 PM
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Call some body shops in his area and get a small list of shops that do paintless dent repair. You should be able to get a general idea of repair costs for a ding the size of a quarter, a golf ball, a hard ball, a soft ball, etc in such in such location. Based off of those rough dollar numbers tell your family member where to take his truck and when and you'll take care of the bill.

Now I haven't see the damage (ding), but I can't see a small ding costing you anywhere near $500, probably more like $150 - $250 tops.

Don't ask for more quotes! Quotes are easy to get and it is far to easy to get really high ones. Once you ask for more and he provides you are morally on the hook! So don't go there.

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