by Guest » Mon Feb 16, 2009 12:27 am
i was backing out of my driveway and i bumped into a neighbor's car that was parked into my driveway..i fixed my car with some touch up paint..his car didn't seem to be damaged but later that day he asked me for my insurance info but did not want to give me his .. i di hit him but he was in my driveway and i took a picture and had a witness..what do i do now ..thanks
Posted: Mon Feb 16, 2009 01:32 am Post Subject:
Hey Sojoe,
:cry: Sorry to say it, but you are at fault. Whether he is in your driveway or not, you are responsible for looking out where you are going. His insurance infro is irrelevelant. Your company is going to pay. You hit a parked car. You are at fault.
Posted: Mon Feb 16, 2009 07:21 am Post Subject:
You give the person your insurance information. You can also remind the person that the law states that there needs to be an _exchange- of insurance information. That is, it's not up to him not to make a liability determination and not give it out because he does not feel at fault.
You then report the loss to your carrier as most likely you will be held 100% at fault. There is a slight chance that your carrier may feel that the other person is 1% at fault and that this _might_ bar a any claim from the other person.
Posted: Mon Feb 16, 2009 09:57 am Post Subject:
Hi,
There is a slight chance that your carrier may feel that the other person is 1% at fault and that this _might_ bar a any claim from the other person.
It should be like that...since the OP has mentioned that the other person's car hasn't suffered any damage it is less likely that he should file a claim if he's a clever person. What do you think!
Fatman
Posted: Mon Feb 16, 2009 10:48 am Post Subject: insurance
Sorry to say it, but you are at fault
Yep..( I regret to say this, too). I know in the state of PA, if you hit a parked car, it's AUTOMATICALLY your fault. I don't know about other states, however. I had an experience like this...I was at work and my 'Client's' husband hit my (parked) car, while he was backing out of his drive way. He said the car was brand new and he din't want to report it. SO,..we 'settled' this out of court ( kind of thing).Posted: Mon Feb 16, 2009 11:24 am Post Subject:
i di hit him but he was in my driveway and i took a picture and had a witness..what do i do now
here you are admitting that you have made a mistake, but you can't profoundly say that it is his (car owner) mistake. he is nowhere in the picture (except his car was in your driveway), I find a meager chances of you getting a claim for this. :!: :!:
Posted: Mon Feb 16, 2009 11:31 am Post Subject: insurance
Please correct me if I'm wrong, but,..if the accident was YOUR fault ( backing into someone), I don't think the owner of the car you hit is obligated to give you HIS Insurance information. Just an opinion...however.
Posted: Mon Feb 16, 2009 01:18 pm Post Subject: police called
thanks for the advice..i called the police dept..NJ town>>and they told me that if the person wants your insurance info to have him call for the police to come to the scene and fill out an accident report , where both parties exchange information ..that way, the insurance adjusters can set up an appt for an estimate of damages that is fair to both of us
Posted: Mon Feb 16, 2009 03:35 pm Post Subject:
Please correct me if I'm wrong, but,..if the accident was YOUR fault ( backing into someone), I don't think the owner of the car you hit is obligated to give you HIS Insurance information.
The law states that you _exchange_ insurance information. If I rear end your stopped vehicle _I_ may not think I'm liable so I don't need to give you my insurance information? If that were the case, no one would ever give it out and they would simply walk away from any/all accidents. This is way its required to exchange no matter what. It's not up to the driver to determine liability.Posted: Mon Feb 16, 2009 03:37 pm Post Subject:
thanks for the advice..i called the police dept..NJ town>>and they told me that if the person wants your insurance info to have him call for the police to come to the scene and fill out an accident report
The only downside to this would be if the officer issued a citation. I'm hoping that does not happen and if it does not, I'd commend the police for doing a great job. With the police there, they keep people a little more honest.Posted: Tue Feb 17, 2009 09:21 am Post Subject:
Well, what I've heard that in some states filing a police report isn't necessary if the accident has taken place in a private driveway and no one is seriously injured in it. Also there is a financial limit, I guess of $700, below which you are not required to file a police report.
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