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Calling all ins agents

Old 12-19-2013, 06:43 AM
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Default Calling all ins agents

The wife and my neighbor, (nice guy) just backed up into each other leaving their respective driveways this morning. Minor damage done to wifes 4-runner, no idea damage done to other vehicle. Both agreed to handle it after work today, and both went on their way.

According to my wife she was in the process of backing up, ie: vehicle was moving back-wards when they hit. She has no idea if he was moving or not, or if he was stationary.

Question:

Does she call our insurance company now, does she wait until they both get home and talk. What should she say or not say! This is the first accident for both of us in over 30 years so have no idea how to correctly handle this!

Let me know your thoughts when you get the chance.

As always, thank you &
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Old 12-19-2013, 06:51 AM
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How minor is "minor"? I'd pay it out of pocket.
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Old 12-19-2013, 06:58 AM
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Pay out of pocket if possible. What state are you in?

Typically, if both of you were backing up at the time - it is both parties fault. If one was stopped and one was moving, it is the moving person's fault (rarely does the moving party admit this - and frequently both say they were stopped).
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Old 12-19-2013, 07:15 AM
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Happened to my Ex girlfriend in a parking lot when she was shifting in to drive and the other lady tried to say we backed into her. Depending on year condition of car and damage I would suggest just fixing it out of pocket it will save you both more money in the long run especially if its under $1000 damage. Also, I would wait to talk to neighbor don't want to start a feud.
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Old 12-19-2013, 07:18 AM
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Pay for it out of pocket, both of you! Take my word from experience. If you claim it on your insurance then someone will have to be "at fault" and if it's your wife then that "at fault" accident will stay on your insurance record and any future insurance quotes will be nearly double. Plus your car (or whatever car being repaired) will show up as having been in a rear end collision and will diminish the value a shit load no matter how minor.

Trust me I am speaking from experience. My wife was involved in a nearly identical incident. She was backing out of her spot at work and barely bumped a coworkers car. Being the nice responsible person my wife is she instantly exchanged insurance information. The other driver had their car fixed on our insurance. We also had our car fixed on our insurance.

Both cars were very minor. Small dent on rear quarter of the coworkers car and just some paint rubbed off my wifes bumper. It was around $700 to fix the co workers car and $900 to fix ours. Ours was a BMW and we had it fixed at the dealer.

HUGE mistake on both cars. My wife's record now shows she has an "at fault accident" which when getting a quote from a new insurance company resulted in double the cost and our car lost $6000 in value because it was reported as being in a "rear end collision"!!!!!!! It showed up on CarFax!!!

Not paying the less than $2 grand out of pocket to fix both cars cost us about $6000 in lost value when we sold the car. Not to mention we paid our deductible of $500 and we will be screwed if we ever want to get insurance from another company.

Miraculously State Farm did not raise our premiums as a result so we will stay with them for now. But if we ever want to switch in the near future it will cost us twice as much for insurance.

CROOKS!
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Old 12-19-2013, 07:32 AM
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Thanks for the info guy's,

Minor damage.....the 4-runner is just a scratch with paint missing..could care less

His damage...Wife said was more because I believe he was backed out further and she hit his right rear quarter panel and dented in. Beyond that I have no more information because he left to go to work and said they could deal with it later.

Fixing both out of pocket seems the way to go here.
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Old 12-19-2013, 07:33 AM
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jko2004

Florida.
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Old 12-19-2013, 07:33 AM
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I'm not sure I agree with you about the "Crooks" comment Chris. Your wife backed into someone, the ins co paid to fix both cars, and didn't raise your premiums.............what am I missing?
Carfax and market value aren't their responsibility, I don't see them as being crooks.

I do agree that you should have "handled it" on your own.
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Old 12-19-2013, 07:41 AM
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Originally Posted by spraynet 1 View Post
His damage...Wife said was more because I believe he was backed out further and she hit his right rear quarter panel and dented in
I hate to say, but based on this comment, it sounds like your wife was at fault.
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Old 12-19-2013, 08:16 AM
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Although I agree that it does sound like it may be my wifes fault. If both vehicles were backing at the same time they hit, I don't know if it really matter what position they were it. My wife absolutely knows for certain she was still going back wards when they hit. She does not know if he was going back wards or not at the time they hit. He speaks only Spanish as well, so tonight is going to be interesting for sure.

The good thing is that he has for all intensive purposes been a great neighbor. We always wave hello to each other, never a peep out of any of them, so we will just see how it transpires. I am just glad nobody was hurt.

So I think I will wait until after we talk to make any decision on insurance company or not. If I can afford it I will definitely pay out of pocket as well.
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Old 12-19-2013, 08:23 AM
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Call that store and tell him his van did it a couple months ago...
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Old 12-19-2013, 08:32 AM
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Originally Posted by spraynet 1 View Post
jko2004

Florida.
My assesment remains the same then. If the neighbor is agreeable to each fixing there own - great. If he is combative, you might as well turn into ins co depending on his damage amount.
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Old 12-19-2013, 08:33 AM
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Originally Posted by Budget View Post
Call that store and tell him his van did it a couple months ago...

lol...yes a Sprinter Van
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Old 12-19-2013, 08:38 AM
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Pay out of pocket. Only reason to not is if you dont trust the guy and he could come after you. However if you know and trust him you both will be better off. They are looking for any reason to raise rates nowadays.
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Old 12-19-2013, 08:42 AM
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Originally Posted by jko2004 View Post
lol...yes a Sprinter Van

Please let me in on joke, have no clue what "store" you refer to.
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Old 12-19-2013, 08:50 AM
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Originally Posted by ScarabChris View Post
Pay for it out of pocket, both of you! Take my word from experience. If you claim it on your insurance then someone will have to be "at fault" and if it's your wife then that "at fault" accident will stay on your insurance record and any future insurance quotes will be nearly double. Plus your car (or whatever car being repaired) will show up as having been in a rear end collision and will diminish the value a shit load no matter how minor.

Trust me I am speaking from experience. My wife was involved in a nearly identical incident. She was backing out of her spot at work and barely bumped a coworkers car. Being the nice responsible person my wife is she instantly exchanged insurance information. The other driver had their car fixed on our insurance. We also had our car fixed on our insurance.

Both cars were very minor. Small dent on rear quarter of the coworkers car and just some paint rubbed off my wifes bumper. It was around $700 to fix the co workers car and $900 to fix ours. Ours was a BMW and we had it fixed at the dealer.

HUGE mistake on both cars. My wife's record now shows she has an "at fault accident" which when getting a quote from a new insurance company resulted in double the cost and our car lost $6000 in value because it was reported as being in a "rear end collision"!!!!!!! It showed up on CarFax!!!

Not paying the less than $2 grand out of pocket to fix both cars cost us about $6000 in lost value when we sold the car. Not to mention we paid our deductible of $500 and we will be screwed if we ever want to get insurance from another company.

Miraculously State Farm did not raise our premiums as a result so we will stay with them for now. But if we ever want to switch in the near future it will cost us twice as much for insurance.

CROOKS!
Really, you allowed someone to knock 6 grand off the value of your car for a minor accident. I would have told the individual or car lot to pound sand and walked.
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Old 12-19-2013, 08:59 AM
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It's the woman's fault......next question......
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Old 12-19-2013, 09:13 AM
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Florida is a no-fault state so it's nobody's fault.

Seriously, each pay their own damages will be best for everybody. If it goes into the claims process I would guess each company would deny damages to the other party anyway.
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Old 12-19-2013, 09:55 AM
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Originally Posted by Jus Teasin View Post
I'm not sure I agree with you about the "Crooks" comment Chris. Your wife backed into someone, the ins co paid to fix both cars, and didn't raise your premiums.............what am I missing?
Carfax and market value aren't their responsibility, I don't see them as being crooks.

I do agree that you should have "handled it" on your own.
I'll be happy to explain. Me calling them crooks stems from more than one incident. The first one and the one that really put this sour taste in my mouth was when Citizens screwed me on my claim from Wilma. The adjuster says I will get a new roof which would have cost about $4000. Then in the mail I get my check, the amount allocated for the roof was $364.00. They are crooks because I paid my insurance on time for years, and very expensive insurance at that. And when it was time for them to hold up their end they screwed me.

The car. The insurance company was the one that reported the vehicle damage as a "rear end collision" which destroyed the value. The damage was no more than the plastic bumper pushed in a little and some paint chipped off. It should have not been reported as a rear end collision.

So no, State Farm were not crooks. The insurance company that quoted me recently when I wanted to change companies are crooks. They wanted to charge me double what I was paying because of the claim paid by State Farm and because of the "at fault accident" on my wife's otherwise spotless record.

Had we just fixed the cars on our own we would have been out 2 grand. But by going through insurance, which is supposed to help you financially in the event of an accident, ended up costing us way more and put some bullshit "at fault accident" on my wife's record.

They don't have any compassion, in their eyes if you bump another car while parking and do $700 in damage you get slapped with the same spoon as if you plowed your car drunk into a Ferrari dealership and destroyed a million bucks worth of cars.

Insurance companies today will deny any and all claims if they can. They make up all these tiny little rules that most consumers don't know exist just so they can deny claims. They continue to raise rates and are making it impossible for people to get paid on legit claims.

Just read some of the boat theft stories here. There are a few insurance stories about damage claims as well. Where some non boating adjuster came out and denied a claim over some crap that they don't know what they are talking about.
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Old 12-19-2013, 09:58 AM
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NJ Insurance agent here.

I agree with most here. Take care of it on your own, especially since it was neighbors.

Make sure the body shops know you plan on paying for it out of your own pocket and not going through insurance. Two sets of prices... we all know that.
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