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covering your butt question

Old 07-10-2015, 09:26 PM
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My daughter went out of town last weekend and ran into another vehicle. She's on my insurance and has had several wrecks. They got an estimate for the other vehicle and it will cost a little under a thousand dollars to repair it. I think I would rather just pay for the repairs instead of making a claim.

Here's my question, how could I make sure he doesn't cash the check and still make a claim against my insurance.
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Old 07-10-2015, 09:32 PM
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Did she hit a kid in an older Jag?


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Old 07-10-2015, 09:36 PM
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Originally Posted by willie g View Post
My daughter went out of town last weekend and ran into another vehicle. She's on my insurance and has had several wrecks. They got an estimate for the other vehicle and it will cost a little under a thousand dollars to repair it. I think I would rather just pay for the repairs instead of making a claim.

Here's my question, how could I make sure he doesn't cash the check and still make a claim against my insurance.
Have him sign a document certifying that the check is payment in full for damage.
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Old 07-10-2015, 09:40 PM
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First off if she has had several wrecks the first thing I would do is take her off my insurance.
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Old 07-10-2015, 10:04 PM
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Originally Posted by westhunt@airspd.net View Post
Have him sign a document certifying that the check is payment in full for damage.
The other driver is 4 hours from where I live...

How could that be handled at two different places at the same time?
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Old 07-10-2015, 10:04 PM
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Originally Posted by Snapper Head View Post
Did she hit a kid in an older Jag?


Big Al
no
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Old 07-10-2015, 10:10 PM
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Something like this with a handshake or quick verbal via phone, then move on and be more prepared for the next one.

Originally Posted by westhunt@airspd.net View Post
Have him sign a document certifying that the check is payment in full for damage.
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Old 07-10-2015, 10:14 PM
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Originally Posted by willie g View Post
The other driver is 4 hours from where I live...

How could that be handled at two different places at the same time?
Why does it need to be at the same time? He could sign a document stating what you both agree to, then fax it or email it to you. Afterward, you pay (send) him or the body shop the $$.
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Old 07-10-2015, 10:17 PM
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Originally Posted by Jus Teasin View Post
Why does it need to be at the same time? He could sign a document stating what you both agree to, then fax it or email it to you. Afterward, you pay (send) him or the body shop the $$.
personally I wouldn't sign something like that without a check in my hand
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Old 07-10-2015, 10:29 PM
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Hire someone local to the guy she hit. Have them do an escrow deal where they obtain a release from the guy (one you both agree on) and then hand him the check.
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Old 07-10-2015, 10:38 PM
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If you make things complicated for me then I will make things really complicated, tactful and expensive for you.

OP, keep your cool, go with a handshake.

Originally Posted by Shark1007 View Post
Hire someone local to the guy she hit. Have them do an escrow deal where they obtain a release from the guy (one you both agree on) and then hand him the check.
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Old 07-10-2015, 10:45 PM
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Originally Posted by willie g View Post
personally I wouldn't sign something like that without a check in my hand
If you don't pay, the document is invalid.

Good luck with what ever you decide.


You know, if there was a police report made, your insurance company might still find out about it.
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Old 07-11-2015, 12:06 AM
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On the check memo note for repairs and add date of the accident. When the check is cashed send a copy of the canceled check to your insurance company. But contact your insurance company before and give them the details.
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Old 07-11-2015, 01:31 AM
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I don't know, but maybe make the check payable to the repair shop, and send it to the owner of the vehicle so he can give it to them.

Much bigger problem is a daughter that's been in "several wrecks". I wouldn't own the car she drives, or provide the insurance. If she's an adult she'd be on her own as far as driving, if she's a minor, she wouldn't be driving.
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Old 07-11-2015, 03:00 AM
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First ,I'd put her in a big old caddy, if she's had several wrecks,Id be worried the next one might be life threatening . I'd do a handshake on the payment. Although the world is most definitely full of scum, most people are honest.
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Old 07-11-2015, 04:28 AM
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i did this with my son when he first got his car but wasnt 4 hrs away. my son was pulling into a parking spot too fast and hit an older car. he went into store found out who the car belonged to.i spoke to other owner asked him if he would let him pay instead of going through insurance. he got an estimate which was less than a grand.he came over to pick up the cash and i printed a statement which said that the money paid covered the damage in full and that he would not seek to recover any more damages through any other means including insurance or courts. he signed it and never heard another thing and has been 3.5 years since it happened.
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Old 07-11-2015, 04:39 AM
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I've done this twice for my wife's accidents and received payment once from another mans wife. Hmmm.... Trend there... Anyway....

I never had those statements and never got burned. What I did have was emails back and forth acknowledging the accident, copies of estimates, and agreement to accept a check rather than go through insurance.
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Old 07-11-2015, 04:51 AM
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DO NOT inform your insurance company. That's why you are paying it out of pocket to begin with. With that amount I wouldn't worry about a release but if you do want one, I have seen a short release typed on the back of the check where she has to endorse it. Something like "full and final settlement for accident on or about x-x-2015". In talking with them your gut feel should guide you which you need to do.,
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Old 07-11-2015, 05:57 AM
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I would pretend it didnt happen. Just don't answer the phone, sign any certified mail and if your insurance company calls tell em you have no idea what the claimant is talking about.

They'll eventually go away.
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Old 07-11-2015, 06:04 AM
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Pay the body shop directly.
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