Insurance claims

Sari

New member
Background: few weeks ago, I got into a fender bender as I was leaving work. I was in my bank's parking lot. No one was hurt, but the shell of my fender had two gashes in it, a dent in the trunk lid, and massive paint transfer. The guy's steel fender was bent in one corner, but that was it. After I get home, I start to file a claim with the guy's insurance company, but after talking to him on the phone, we decided we wouldn't deal with them, so that way our rates wouldn't go up. I call my grandmother in law and ask for her help in finding a bumper to replace this guy's bumper. She finds one and she brought it up last weekend.

It wasn't the right kind though, and after everyone in my fiance's family sees the other dudes bumper, they tell me straight out that I should file a claim with his company because there's no way my entirely plastic car could bend his steel bumper. On Monday, I file a claim and make an appointment to have someone from the other guy's insurance look at the damage to my car and give me an estimate.

Come Wednesday, I'm at work, and I see the guy come in looking pissed off. He didn't come up to me though, he just wanted to talk to my manager, who was out on lunch at the time. He gets her card and leaves. Since it was almost the end of my shift, my fiance had driven up to pick me up since we had some errands to run and we had a couple things to do at the bank. He was sitting in the lobby, and as they were leaving, the guy's son said "There's the little bastard right there" and waited outside for him for a moment before leaving.

I come in today, and my manager said she wanted to talk to me. She sits me down in her office and explains that the guy was angry, he'd been in there, and he was wanting to know if the bank had filed a report. She tried to explain that Chase doesn't file reports about accidents in it's parking lots, because it's a parking lot, unless someone was hurt. She then explained that she didn't want him harassing me, and that if he looked like he was going to, that I was to get her or my assistant manager, because she didn't want me getting harassed and then having my blood pressure go up (it's already up high enough from pregnancy).

Later today I had a meeting with the claims person for the damage to my car, and they estimated that to repair my bumper, which would mean replacing and painting the shell and repairing and painting the trunk lid would cost about $834. Fucking lovely end to a Friday afternoon.

Not only that, but a friend of mine from work mentioned that they would probably lay the blame at my feet, since I was backing out of a parking space.

Edit: Pics or it didn't happen
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And to make my day worse, for some strange reason it smells like rotting pussy right outside the front door.
 
Insurance 101:

Your rear end damaged, his front end damaged... you would have to have a lot of witness statements stating it's your fault to be charged for the repairs.

Rear-enders are typically resolved quickly, since the person who's rear is damaged is normally not at fault. Unless you've already made a statement telling his insurance that YOU backed into HIM, you may be able to get this paid for out of insurance.

Especially if you suspect he's got previous damage that he's trying to put on you...

And, about that smell. I'm sorry, I'll pick my mom up later and get her away from your house. Maybe you'll let me borrow your hose to spray her down with before I let her in my car.
 
Sorry about your car and your luck. You ran into what sounds like self-centered,soullesss,asshole. It's one thing if he didn't agree with the change you made but to go up to someone's place of employment ( a prego too!! ) to try to get them fired or in 'trouble' is just heartless. It's a fucking car.
 
What an asshole. The other guy of course, not you. First, either person has the right to file an insurance claim on any accident, whether or not the other person wants to go through insurance. The only way he could really keep you from going through insurance would be to have you get an estimate (outside of insurance), and then give you enough cash to cover the bill. That happens a fair bit.

Otherwise, being in a parking lot, they'll most likely rule that both of you were at fault. As far as I know, blame is never laid on just one person in a parking lot accident, (quite possibly unless the other vehicle was parked). Doesn't matter if you were backing out: he should've noticed that, and waited for you. Although at the same time you most likely should've noticed him, shit happens.

Also, there's a decent chance that you actually did bend his bumper. Unless it's an aftermarket, solid steel bumper, the corners really aren't that strong. If that ever happened to me, I'd take a look at it right away, and usually you can tell if it's a fresh bend or if it's been that way for a while.

Anyways...best of luck with that! And hey, if he starts giving you too much trouble, I'm sure DG can take care of him!
 
That sucks... he's really an asshole.

But as Shamiaqua, in most cases the person who hits you in the back pays the bills, because it was his lack of attention that caused the accident.
I think you did the right think by filing a claim, but pehaps you should have warned him? I don't know if you did, since I understand you both agreed to *not* file a claim.

Even though I don't think it would have changed much, I hope he doesn't come back arrasing you. And well what options does your manager give you, is *she* going to pay for the damage?? :lol:

Hope it all works out!
 
In my first accident, a rear-ender by chance, I felt pressure from the other driver to not report the accident to insurance. I made him wait outside my car with my window rolled down just enough so he could hear me call Progressive.

In retrospect, I should have also called the police, but he didn't seem like a runner, and all went well anyways.
 
It wasn't his front fender though. That's the thing. It was his rear fender.

And I did take a look the day of the accident, but I have no way of telling whether or not it was a fresh bend.
 
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