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Smart Shopper Questions About Auto Insurance & Accidents
4409 messages, Last post on Nov 29, 2009 at 5:58 AM
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Replying to: fezo (Nov 21, 2008 12:16 pm) Finally get some answers from the trooper, they just now issued them a ticket and they have 10 days to respond. The accident happened Oct. 25th., They could be long gone. Our system is so broken down. I am all for people coming to our country if they are law abiding. But from what the trooper told me is that they get insurance and than cancel it after getting their tabs. Here in Minnesota. I think they should impound your car immediately after cancelling any insurance until you can prove you replaced it. This is an atrocity that people can come into our country, work, not pay insurance and drive around without any consequences. And if something happens like my accident that could have killed me. They are out of here. I will be amazed if I get a day in court from them, or restitution. Thanks for the info, and for letting me rant....
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Replying to: mhageman (Nov 22, 2008 9:50 am) Isn't it great that anyone can sneak across our borders and get all the fake identification they need? Makes you feel really safe. I'm sure that terrorists and criminals can't get those documents, only honest hard-working immigrants. There is one positive side to this though. A few years ago a woman pulled out in front of my son without her lights on and he struck the rear of her car. Nothing serious but fenders were dented. When he told me that he had struck the rear of her car I immediately thought "oh boy, here comes the lawsuit". But then he told me the woman (who spoke with a heavy foreign accent) only asked if he was OK before getting back in her car and driving away. Either she was very kind or very illegal. 
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Replying to: oldfarmer50 (Nov 22, 2008 10:16 am) |
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Replying to: jimmydc2 (Nov 22, 2008 7:28 am) 1. The other guy driving without insurance, violates the FR law. 2. You crashed into him & you are at fault for that, but driving without insurance trumps an at fault crash because you can lose your license for no insurance, but causing a crash doesn't impact your license standing when you are insured. Therefore, when the uninsured values his licenses, he is to pay for the damages to your vehicle. When he pays for your cost of repair, you then sign a Release which is submitted to the DOL enabling his license to be continued.
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My 17 year old was involved in a fender bender and he was at fault for failure to yield. Thankfully there were no injuries, but both vehicles suffered minor damage. In an effort to minimize the insurance increase, should I pay for the repairs to both vehicles and not submit the claim? The other person involved was insured and had only minor damage to her passenger side door...which the State Trooper said would only need bumped out. This is my first ever insurance claim so what suggestions would you have? |
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Replying to: kyats (Nov 23, 2008 5:37 am) Personally, when folks have offered to pay outside of insurance, I say "no thanks." Reason being if damages are more extensive than originally thought, what recourse would I have? And then there is that rental issue I mentioned. So its a big risk for the victim. Of course, I've never had minor damage in these cases. Cheapest was $2400. |
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Replying to: euphonium (Nov 22, 2008 10:08 pm) That's exactly what I was wondering...interesting. From a practical standpoint would it be wise to go after this guy for repairs on your car? I mean, someone who can't afford to insure his own car probably can't afford to pay to fix yours. Also, if the guy is just a bum who thinks he's too good to buy insurance he might be the type to take exception to someone who hits him trying to make him pay for damage he didn't cause. Messing with his license might provoke a violent response from such an individual.
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Replying to: kyats (Nov 23, 2008 5:37 am) I had the same thing happen to me a few years ago. While teaching my son to drive he stepped on the gas instead of the brake and hit a van owned by a convent. I went inside the place and offered to pay for their damages. They accepted, got an estimate and I paid. All was done with a handshake. In your situation your son hit an occupied vehicle and even though you say there were no injuries who is to say that when the other party has time to think about it they don't suddenly come down with some crippling injury. If that happens they have your agreement to pay for ALL damages. You could be looking at a much bigger payout. Also, there was police involvement. That means a public record which places your son at fault. If your insurance company should learn about this and you have withheld that information you could be looking at a rate increase even if you didn't make a claim. Not saying any of that would happen but it's something to consider. |
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Replying to: kyats (Nov 23, 2008 5:37 am) So it depends on the other person's damage, the type of car, and their expectations. Just as a ballpark, if you can get away under $1,500 on both cars without reporting anything, and given what they might do to your rates if a 17 year old is claimed against in an accident, then I'd try to work it out privately. Your son can always work off the damage he did with chores or whatever. Now's a great time to imprint that actions have consequences in the "adult" world. |
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Replying to: kyats (Nov 23, 2008 5:37 am) Minor fender benders when the adverse vehicle is vacant could be handled w/o the insurance company's involvement, but in this case, I'd turn it in. |
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