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Car accident question...?
I was driving on the freeway and the car next to me started to come into my lane. His turn signal wasn't on so I thought that he was just veering. He continued to come over so I went to the left while slowing down. I was in the high lane so I started running into the yellow plastic poles that separate the toll road/diamond lanes. (our cars never hit each other) I thought it was no big deal but it turns out those plastic poles do a lot of damage. My headlight cracked and there are a lot of black marks on the fender. Now to the question, should I call the insurance company and file an accident in fear that my rates will sky rocket (I'm 19 years old) or should I take it to a body shop and just pay the cash to have it fixed (I have the money). Also, what would the insurance company call this situation, I didn't get the guys license # and our cars didn't hit but it wasn't entirely my fault.
My parents are going to find out eventually and they will probably tell me how to handle it, but I wanted to hear other peoples' opinions.
Thanks
The only reason Im hesitant to call the insurance company is because if my rates increase dramatically, it's going to cost me more in the long run.
Thanks for the tip uncle man, but I drive I mazda 2 and the car coming over was a truck. Don't think I would have won that battle.
6 Answers
- ?Lv 48 years agoFavorite Answer
The insurance company will call it as an at fault claim meaning your the only reason that your car is damaged. You didnt hit another car so technically its not an accident. They will say your lack of driving experience caused you to hit the poles. Just pay the repairs yourself. Your 19 and an at fault claim is going to severely increase your premium.
- JetDocLv 78 years ago
Go get a couple of estimates from different body shops to see how much it's going to cost to get the car fixed. If the total repair cost is somewhere near the deductible on your collision insurance, then you're better off paying for your own repairs.
Headlight lenses can be very expensive, so see if you can find a used one in an auto salvage yard.
- ptcruisher2001Lv 58 years ago
Depends if your insurance has Comp/Collision. Ask a body shop to give you an estimate. Call your insurance company and ask them how much your premium rate would ever go up if you got in a accident.
- ?Lv 45 years ago
If I'm know-how this proper it sounds such as you had been pulling out of a carpark to show left onto a freeway. The freeway is four lanes on either side. The two lanes of visitors closest to you, heading the reverse method of the way in which you had been turning stopped to can help you pull out in entrance of them to show. The girl that hit you was once journeying within the third lane over (out of the four lanes that you just had been crossing in entrance of to show)? If that is the case than you're at fault. The girl that hit you had the proper of method. Even although the two lanes of visitors had been waving you on, you continue to didn't have the proper of method. It does not subject that her brakes had been going out. I have labored as an coverage agent for the beyond nine.five years & I have obvious a number of injuries similar to this one. In they all, the character that was once pulling out in entrance of visitors to show left was once deemed at fault. Hope this is helping.
- ?Lv 58 years ago
You would have been better off if you would have let the dude make contact with your car.
