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I was rear ended in a car accident, could use some advice (details inside)?
Thanks for checking this out, here’s my timeline of event:
9/16 - I am rear ended driving home from work by a young girl. We exchange information and she leaves the scene before police arrive. It is her fault, when police arrive they do not want to make a report, they do call the girl and she admits fault. My car is a 2003 model with high mileage, I only have liability coverage. She does have insurance. He notes the 9/11 incident reports that the girl admits fault to him and gives me the numbers.
9/16 – Evening; I rent a car comparable to mine. $40.00 per day.
9/17 – I go to emergency room with back pain, prescriptions are written. Diagnosis is muscle strains.
9/21 – Girls insurance company comes and looks at my car, the value of repairs to be made are $2500. The blue book on my car is $3700. They will not tell me if they are going to repair or total my car because they cannot get their client to return their calls.
9/21 – The girls insurance company informs me they only pay $25.00 a day for rental car. I get an attorney who advises me they will pay all at the end of the day.
9/22 – I reach out to my insurance company, however they will help me with nothing in regards to the accident except medical since I only have liability coverage.
9/30 – I am still paying for rental car, my car is still sitting in my driveway busted up, the girls insurance company still has not been able to reach her, therefore they will not do anything with my car.
My question to everyone is, what the heck am I supposed to do now? Rental car fees are racking up and there’s not end to this in site. Advice would be appreciated! Thanks.
7 Answers
- mccoybluesLv 710 years ago
Well, you need to return the rental because you may be stuck with the bill. Even if they do pay the entire amount they are only liable for a reasonable number of days. They aren't going to pay for an infinite number of days regardless of how many days you are without transportation. REASONABLE is the keyword here.
The real question here is why haven't the police gotten involved because in my eyes this is a hit and run. She fled the scene before the cops showed up and now she is refusing to cooperate with the investigation. You know where she lives, the Insurance company knows where she lives, why hasn't somebody gone and knocked on her door?
When I was involved in a hit and run the cops were all over it. I ended up paying for all of the repairs out of my pocket because the person at fault refused to cooperate too. But I had real insurance and three years later I finally got my reimbursement check from the Insurance company. They eventually sued the other driver, they won and then sent me the money. But it took 3 years.
Get out the checkbook, that's the only way this is going to get resolved.
- 10 years ago
If you exchanged info with her, you should have contact information, use it. She may not know that she has to report this to her insurance, or she may be afraid to. Call her insurance company and make sure that their contact info is the same that you have. I had to track down an owner of a vehicle once for the same reasons. If you choose to call her on your own, remember, be polite. Don't let your emotions take over. Only call once.
As for the rental car, unless it is comparable to what you were driving, you may be on the hook for the difference.
If the estimate to repair your car is $2500 and KBB is $3700, you will probably have to fight to get $3700.
Good luck!
- Anonymous10 years ago
I've never heard of a policeman telling someone not to make a report when there has been an accident... I would take all your information down to the police department and make an appointment with the chief... And only the chief.... And then file a report!!!
Im sure you have spoken to your insurance company and seek advice from them as well..
... Also be sure to keep track of all rental receipts ..
- Anonymous10 years ago
You made the choice to not insure your car against damage done to it. Therefore, you are at the mercy of the other insurance company, or you pay out of your own pocket to repair your vehicle. That's how it works. I carry full coverage on my vehicles for a number of reasons, not the least of which is to not have to depend on the other party to do the right thing, even if they are liable.
Until the other insurance company accepts fault, they are not going to cover your rental car bill. You chose to rent the car, you are responsible for the charges. If they accept fault, they are not going to cover your rental from day one. only for the length of time your vehicle is in the shop.
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- Anonymous7 years ago
The absolutely free reverse vin check sites generally provide fake information. To get real information, money will have to be paid. The free searches provide fake information so they can get your email address to send spam.
Stay away from shady reverse vin check sites, most likely you won't get any information after you make the payment. Not to mention you won't get a report and you won't get an answer if you try to call for a refund. Stick with a reputable reverse vin check site like http://www.reversevincheck.net/ that has been around since 1995.
