Car accident/insurance question

garvey

garvey

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So on my birthday I got into a car accident. Hurray me. Hurray 2020.

So here is the issue I got all the girl’s information. The cops came she admitted guilt.

Well when I get home she texts me she’d rather go pay for the damages herself instead of going through insurance. Apparently the car is insured under her father not and I don’t think she is insured. I’ve already started the claim. My question is how stupid am I to agree to let her pay? Can I set up with the body shop to not start doing the repairs before she pays? I don’t want to get fucked having to pay if she flakes.
 
garvey said:
So on my birthday I got into a car accident. Hurray me. Hurray 2020.

So here is the issue I got all the girl’s information. The cops came she admitted guilt.

Well when I get home she texts me she’d rather go pay for the damages herself instead of going through insurance. Apparently the car is insured under her father not and I don’t think she is insured. I’ve already started the claim. My question is how stupid am I to agree to let her pay? Can I set up with the body shop to not start doing the repairs before she pays? I don’t want to get fucked having to pay if she flakes.
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Don‘t do this. Submit it to insurance and get it fixed right. I did this once trying to be a nice guy because he was a trucker and was supposedly going to lose his job if there was an insurance claim. The “fix” he paid for was all fucky and the car never was right afterward.
 
williewilliejuan said:
Don‘t do this. Submit it to insurance and get it fixed right. I did this once trying to be a nice guy because he was a trucker and was supposedly going to lose his job if there was an insurance claim. The “fix” he paid for was all fucky and the car never was right afterward.
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^^this^^

100% go thru insurance. her problems are not your problems. you try going the nice guy route and the getting screwed over you may take will be on you.
 
How much is the damage?
 
If the car can still drive, cops and insurance companies need not know. I'd keep her information if she flakes, but I'd take it to a body man/mechanic you know real well and trust and insist the work be done there, and if she refuses, go through insurance. Insurance is a scam though.
 
If you go that route, then get the quote, make her pay up front.
 
wings-pens2166 said:
^^this^^

100% go thru insurance. her problems are not your problems. you try going the nice guy route and the getting screwed over you may take will be on you.
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I finally learned years ago the wisdom of the old saying that "the road to hell is paved with good intentions."

@garvey She wouldn't do the same for you; do the right thing, which is to go through insurance.
 
williewilliejuan said:
Don‘t do this. Submit it to insurance and get it fixed right. I did this once trying to be a nice guy because he was a trucker and was supposedly going to lose his job if there was an insurance claim. The “fix” he paid for was all fucky and the car never was right afterward.
Click to expand...
This.
 
garvey said:
So on my birthday I got into a car accident. Hurray me. Hurray 2020.

So here is the issue I got all the girl’s information. The cops came she admitted guilt.

Well when I get home she texts me she’d rather go pay for the damages herself instead of going through insurance. Apparently the car is insured under her father not and I don’t think she is insured. I’ve already started the claim. My question is how stupid am I to agree to let her pay? Can I set up with the body shop to not start doing the repairs before she pays? I don’t want to get fucked having to pay if she flakes.
Click to expand...
If her dad has insurance she is covered as a driver. Sounds sketchy. Unless she gives you a teller's check for the entire amount a day or two after you give her the estimate I wouldn't take any chances.

If I were in your situation I would get my own insurance company involved. I would get the police report and a copy of any citation the girl might have been given and pass that along to your claims department. If there is an issue with her insurance company or father your carrier will pay for the repairs and then they will most certainly go after dad or his insurance company for reimbursement.
 
Rex Racer said:
If her dad has insurance she is covered as a driver. Sounds sketchy. Unless she gives you a teller's check for the entire amount a day or two after you give her the estimate I wouldn't take any chances.

If I were in your situation I would get my own insurance company involved. I would get the police report and a copy of any citation the girl might have been given and pass that along to your claims department. If there is an issue with her insurance company or father your carrier will pay for the repairs and then they will most certainly go after dad or his insurance company for reimbursement.
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This. It's what you really pay insurance for. Their attorneys
 
williewilliejuan said:
Don‘t do this. Submit it to insurance and get it fixed right. I did this once trying to be a nice guy because he was a trucker and was supposedly going to lose his job if there was an insurance claim. The “fix” he paid for was all fucky and the car never was right afterward.
Click to expand...
^This. Just inform your own insurance, so that they have the estimate and that it’s done at a repair shop everyone agrees with. If you want to be all nice because she was breaking the law by driving uninsured, then you’re taking the risk not getting insurance companies involved.

I also got hit by a trucker. I took pictures, got his license & information, and he seemed like a nice guy, so I didn’t call the cops and reported it to USAA the next morning. His insurance company claimed that there was no way to prove he was driving the truck that hit me that day and the trucking insurance company dragged their feet for weeks. Eventually USAA paid, since they figured the trucker was at fault and his insurer was a bunch of dicks.
 
As mentioned earlier, get the quote, then have her pay up front. If she refuses, go thru insurance.
If she's a hottie, get cash and a hummer.
 
Boners aren’t just for the insured. Uninsured motorists deserve boner time
 
williewilliejuan said:
Don‘t do this. Submit it to insurance and get it fixed right. I did this once trying to be a nice guy because he was a trucker and was supposedly going to lose his job if there was an insurance claim. The “fix” he paid for was all fucky and the car never was right afterward.
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Meh, insurance cares more about negotiating the best deal. Body shops work for the insurance company more than you and since they are very frequent customers, they get preferential treatment. Wanna find out who the boss is? Tell the body shop you want OEM parts, not after market. They'll tell you that that's the insurance companies decision and probably in fine print somewhere in your policy.

Really, if they could trust the person to pay, they got a better shot of restoring it better without most insurance companies. It would cost a ton though and I wouldn't trust anyone on their word for that.
 
It's too late. You fucked around too long and now it's your word against hers. She can say you are stalking her....


hahaha Happy birthday!
 
take cash up front.
then file the claim.
then give her 20 of those dollars back for the hummer :becky:

Happy Birthday Hummers are great!
 
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