fuk got into an accident

[Just another 240]

wsupz

this morning around 3,4 in the morning i got into an accident. The taxi stopped right in the middle of the lane with no indicator picking up people. It was a green light so all cars were moving and by the time i notice that his car was stopped i brake but didn't have enough room so i hit him right in the back. It was a pretty hard hit but he got a minor damage, just a lil paint that looks like it chipped off(probably it was my paint that is stuck on his bumper but i didn't really check into that) For me my right side bumper's paint all cracked up and chipped off, my light wont' go back down, and right side fender's corner(the sharp part) bended in a bit. FUK!

Anyways i called the cops because the taxi have passenger in there and i dont' want them to fuk with me in the future or some **** like that, so i wanted everything on paper. There's this dude in the front seat that claim his neck is sore but did not go on to the ambulance and he's from england.

The cop told me the taxi is most likey NOt gonna bring it up to the insurance company cause is really no point for him.

The cop put down that he made a dead stop(stopped short as the cop put it) and i didtn' have enough time to brake and i hit him. But that's not what i told the cop so by what the cop put down who's fault will it be if the ins. company gets invlove?

Question- Even if he doesn't bring it up to the ins company, will the ins. know that we have an accident and rise both of our insurance becuase we have a police report?

[daniel240]

in almost all rear end collisions, it is always the driver in the back, no matter what the situation, as far as the insurance goes, it depends, if your insurance finds out, it may go up.

[Gregariousgreg]

A lot of times in complicated accidents insurance companies assign a percentage of liability to each driver. Chances are you're going to get the brunt of it though.

[Dano]

u rear-end some1, its automatically ure fault, at least here it is... sorry to hear about it man, best of luck to u in sorting it all out!

-Dan

[nitto1320]

dude if I got into an accident i dont know what i would do besides if i died my parents wouldn't know what to do without me!!!

If one of my parents or sister died that would suck because where would I live,where would I stay?

[Kaioshin1982]

If ur involved in an acident and insurance company gets involved, doesnt matter whose fault it is wether you were at a stop sign and someone just hits you on purpose or your minding your own business driving and someone decides to touch ur car for fun, your insurance WILL go up

[Josh]

My brother rear ended some lady, but he wasn't to blame. The woman pulled out, cut off a big truck, switched lanes in front of my brother doing like 20, when my brother was at highway speed. So he just rammed her, then they stopped and she tried to leave the scene... Stupid ***** didn't even have a license (probably why my brother wasn't at fault).

Yeah, but that sucks. I know me and my friends have been in our share of small 1 or 2 car accidents (almost always our fault, cause, ya know, we're ****ing idiots) but we've been really lucky.... and I hope that sticks with us ; )

[C-Kwik]

If ur involved in an acident and insurance company gets involved, doesnt matter whose fault it is wether you were at a stop sign and someone just hits you on purpose or your minding your own business driving and someone decides to touch ur car for fun, your insurance WILL go up

I can't speak for all states, but this is untrue. It may in yours. In CA, an insurance company can not raise your rates unless you have a chargable accident(at fault accident with more than $750 in property damage, injury or fatality). Do not make statements you do not know enough about. If you want more details about your rights, contact your state's department of insurance.

[C-Kwik]

wsupz

this morning around 3,4 in the morning i got into an accident. The taxi stopped right in the middle of the lane with no indicator picking up people. It was a green light so all cars were moving and by the time i notice that his car was stopped i brake but didn't have enough room so i hit him right in the back. It was a pretty hard hit but he got a minor damage, just a lil paint that looks like it chipped off(probably it was my paint that is stuck on his bumper but i didn't really check into that) For me my right side bumper's paint all cracked up and chipped off, my light wont' go back down, and right side fender's corner(the sharp part) bended in a bit. FUK!

Anyways i called the cops because the taxi have passenger in there and i dont' want them to fuk with me in the future or some **** like that, so i wanted everything on paper. There's this dude in the front seat that claim his neck is sore but did not go on to the ambulance and he's from england.

The cop told me the taxi is most likey NOt gonna bring it up to the insurance company cause is really no point for him.

The cop put down that he made a dead stop(stopped short as the cop put it) and i didtn' have enough time to brake and i hit him. But that's not what i told the cop so by what the cop put down who's fault will it be if the ins. company gets invlove?

Question- Even if he doesn't bring it up to the ins company, will the ins. know that we have an accident and rise both of our insurance becuase we have a police report?

A police officer can render an opinion, but is not a finality to who is at fault. Keep in mind, a police officer is as human as the next guy. And sometimes their investigation can be wrong or incomplete. As far as an adjuster is concerned, a police report has very little validity as evidence.

As far as rear ender's always being the fault of the person in the rear is not true. I'd say a majority of the time, yes, it turns out that way, but each accident is different.

It comes down to 3 things:1. What duty do you have on the road(pay attention, safe speed, safe following distance)2. What duties were breached(what did you do wrong)3. Did that breach cause the accident.

And this is applied to each car. What you did wrong is fairly clear. But what did the other person do wrong? And did it contribute to the accident. And if it did, to what extent(this is a judgement call)?

And even if your insurance company thinks there is partial liability, it does not mean the opposing insurance company will agree. In a large sense you and the other party have to prove liability. I doubt it will be hard to prove you rear ended the other car. Proving the other persn has any liabilty will be inherently more difficult in this case.

[wingzero]

Dude, that sucks that you had to pay for someone else's stupidity. But unfortunately, in my experience, whenever you rear-end someone its almost always your azz. Just pray he doesn't report it to the insurance company and go on with life.

[Just another 240]

i don't think the dude would call his insurance company because his damage is so freakin small that is pointless.

so if he doens't call and i don't call either, will my insurance company know just because there is a police report?

[Just another 240]

btw i'm in nyc...

[Kaioshin1982]

im in nyc too

last time my friend was involved in an acident which was like at 3am in flushing someone swerved to the other side of the line and hit him while he was going inside a drive way, (wasnt his fault at all because he was on the other side of the road and the guy crossed the line and hit my friend.) the cops came and at that time the cop gave my friend an option to wether settle the accident personally (means just have the guy pay my friend cash and act like nothing happened) or file a police anytime within 1 week i believe? and bring that to the insurance company if he wanted the insurance company to pay for it. The guy told me him would pay and such but ended up not paying so my friend had to file a report and had the insurance company involved and at the end, my friend's insurance DID go up even tho we had a statement from the police officer that it wasnt my friend's fault at all.

[Kaioshin1982]

oh but I'm not sure which insurance company he had at the moment and it's probably different rules for different insurance company... so best thing you should do is call the insurance company maybe but dont give them any of ur info and ask them the question.