Got hit... no insurance...

[k@osx71]

So, Fri. night, I'm in L.A., just picked up my girl to grab some dinner. About to make a right turn from an open right lane, when some girl on the lane next to me decides to make a right turn. She just turns right into me while I'm still moving. I braked and honked but too late.... She already hit me.... I check the damage, my driver side fender bent in and scratched, and there's a whole lot of scratches and cosmetic damage to my bumper... The bigger *itch to this is, that girl has no insurance nor did she have a license!!!! I thought of calling the cops, but all they'll do is issue a ticket for driving without a license and insurance. I'm going to a dealer recommended Auto Collision Center to get a quote. That girl said she'll pay, got all her info. (whatever I can) made sure the cellphone # she gave was the phone she had in her hands. So yea.... I was pissed....and just thought I might share it with the people who can relate.

[C-Kwik]

If you have collision coverage and uninsured motorist collision deductible waiver, then you might consider using it. They will go after her for the the cost of the repairs. From my experience with 9 years working in claims, more often than not, people trying to work something out with uninsured motorists run into problems. Just consider for a moment, the reasons this person might not have insurance...

[telcoman]

So, Fri. night, I'm in L.A., just picked up my girl to grab some dinner. About to make a right turn from an open right lane, when some girl on the lane next to me decides to make a right turn. She just turns right into me while I'm still moving. I braked and honked but too late.... She already hit me.... I check the damage, my driver side fender bent in and scratched, and there's a whole lot of scratches and cosmetic damage to my bumper... The bigger *itch to this is, that girl has no insurance nor did she have a license!!!! I thought of calling the cops, but all they'll do is issue a ticket for driving without a license and insurance. I'm going to a dealer recommended Auto Collision Center to get a quote. That girl said she'll pay, got all her info. (whatever I can) made sure the cellphone # she gave was the phone she had in her hands. So yea.... I was pissed....and just thought I might share it with the people who can relate.

Was the gal that hit you hotter than your girlfriend?

[gday]

^^ Dude, just because a GIRL is hot as hell doesn't give her the rights you crash into your car.

I bet your're the type of guy that would let it slide if she was hot... You'll probably pull over, and say damn this is my lucky day. She let her go. Then you come here and post all about it and lie that she blew you... haha. loser.

Anyways, go thru your insurance if you have uninsured motorist, and your premium will not go up. Going through the person who hit your directly will take way too long.. She can't even pay for her own insurance so think about it.

[k@osx71]

Well as goes for insurance, once I get a quote, I'm planning to speak to my insurance company and most likely have them go after the person who hit me. She said the reason she didn't have insurance at that time was she recently just cancelled her insurance, and she showed me the proof of insurance that she had. And to answer telcoman, NO! she was FUGLY, ahah

[Smartidiot]

^^ Dude, just because a GIRL is hot as hell doesn't give her the rights you crash into your car.

I bet your're the type of guy that would let it slide if she was hot... You'll probably pull over, and say damn this is my lucky day. She let her go. Then you come here and post all about it and lie that she blew you... haha. loser.

Anyways, go thru your insurance if you have uninsured motorist, and your premium will not go up. Going through the person who hit your directly will take way too long.. She can't even pay for her own insurance so think about it.

^^ Dude, just because Telcoman made an obvious joke about the hotness of the girl doesn't give you the rights to bash him as if you are his mentor.

I bet your're the type of guy that sells pirate copy of Infiniti Navigtation DVD to pay for your monthly car loan (which you are according to your signature at the bottom). You'll probably get caught one day, and say damn this is my lucky day. and beg the cops to let you go. Then you come here and post all about how pimp you are for selling pirate DVDs.. haha. winner.

Anyways, go find yourself a job with decent pay if you can't afford a G35, Selling pirate DVD will take you way too long to make money.. you can't even pay for ur car so think about it.

[k@osx71]

whoa whoa, I didn't mean for my thread so start a bashing war. telcoman obviously meant it as a joke, and no need to start bashing each other. c'mon people, where's the love!!! And yea, I hope my insurance isn't affected if I go through them~

[zozoka1212]

Ok guys everybody chill. There is no need to bash here. Our brother have some problem and he needs help if we start fighting on some joke that won't help him. Thanks guys.

Back to the original thread. I am not sure how it goes in the States but you might be in trouble. If you have an accident no matter what just call the cops unless the faulty person gives you the money right away. If she decide not to give you the money and go to the court and she says she doesn't even know you you are screwed. That's the worst case scenario in your situation. Lets hope it won't happen. The police report would help you for sure. Try to get the money from her as fast as possible. Before she will get advise from somebody. My other concern if she doesn't have the money for insurance does she have the money to pay you?

Any body more familiar with this situation will chime in for sure not later then tomorrow to get you all the info. Till I'd be in touch with that lady for sure and ask money from her. See what she says.

zozo

[J-Owner]

Man......gday sure knows how to make an impression as a "noobie".

Just for the record and from what I have read, Telcoman is pretty knowledgable. A mature person would have recognized his attempt at humor.

As for the thread, if you have uninsured motorist I would suggest using it. It should be a $250 deductible and it should not increase your premiums assuming you have not had previous claims in a while.

In a perfect world you would hope that she pays you but I doubt she will. If she does pay you keep us posted. It would be nice to know there are still some honest people out there.

Hope things work out well and you get it fixed quickly. The few times I have been hit, it pisses me off more at the inconvenience that it does the acutal wreck. Hope it goes smoothly.

[G_whizz]

Damn!!

Sorry to hear what happened!

Oh and G-day... relax... there's no need for bashing... that was totally un-called for... I'm confident that you will now refrain from un-necessary bashing in your future posts.

[telcoman]

Well as goes for insurance, once I get a quote, I'm planning to speak to my insurance company and most likely have them go after the person who hit me. She said the reason she didn't have insurance at that time was she recently just cancelled her insurance, and she showed me the proof of insurance that she had. And to answer telcoman, NO! she was FUGLY, ahah

Sorry my little joke raised a few feathers As long as she is willing to pay for the damage why go thru the insurance company.

The reason I made the joke is that is how my sister met her first husband many years ago

[G_whizz]

No need to offer an explanation... we all seemed to get it.

But theres always that one...

[Q45tech]

Failure to call the Police and have tickets/report written limits the ability of your insurance company to collect............hope your insurance company pays for your oversight? Your action of letting her go places you on the hook.

[gwoods]

This one time a totally hottie banged into my car so she blew me and I let her go.

Anyone what to by a Nav cd

How did I miss out on this thread?

[zozoka1212]

[soul_hfk]

holy WOW how comes that will never happen to me

[Kendahl]

If that happens to my G37, it will be hard to refrain from offering the perpetrator his/her choice of swords or pistols.

[k@osx71]

OK! Just got back from the Collision Center, they estimated $1,488.51 to fix my fender & bumper and repaint the surroundings. Spoke to AAA my insurance, and they'll cover the damage and bill the other party. Only thing I'm a little down on is, I'll need to rent a car, and insurance will only cover $20.00.... But they did say once they go over it, they might be able to bill the other party if it comes out more than $20.00. Things worked out, but still not happy that this happened....

[g35cuhlean]

One quick question! Was this girl Mexican? ahaha i dont hate, i just noticed a lot of Mexicans dont have insurance in Cali.

[Gurslow]

One quick question! Was this girl Mexican? ahaha i dont hate, i just noticed a lot of Mexicans dont have insurance in Cali.

Wow that is racist! Didn't you see he said he didn't get a BJ?

how do you make a cold latina?.............. marry her

(wife is latina don't hate me)

[Raylo]

So un-called for.

[k@osx71]

hm... my threads taking an awkward turn...

[C-Kwik]

Failure to call the Police and have tickets/report written limits the ability of your insurance company to collect............hope your insurance company pays for your oversight? Your action of letting her go places you on the hook.

Not really. First off, unless there is an injury or cars stuck in the road, police here rarely show up. I heard at least once a week from people who said they waited after calling the police, but the police fail to show up. In most cases though, police just tell confirm no injuries and no need to have a car towed and they would then tell them to exchange info and call their insurance companies.

Secondly, police reports are considered hearsay evidence. Technically, to validate it, the officer who wrote the report needs to be present in court and each party to the case has to have the right to cross-examine the officer to confirm it's accuracy. And even then, unless the officer was actually there to watch the accident occur, it's not actually witness testimony. The officer is only able to testify to what they observed. Typically, they can only observe the damages, any evidence at the scene (skidmarks, construction, etc. and what the involved parties and witnesses tell him. As a result, a police report is generally not considered strong evidence.

As long as I had handled claims, I hadn't handled any with a lack of a police report that limited my ability to subrogate a claim against the responsible party.

[k@osx71]

very true C-Kwik. Unless the accident happened somewhere in O.C. where 3 patrol cars are investigating a minor collission, cops really don't care in L.A. My insurance told me what you have mentioned as well, as long as there's proof that the other parties at fault (which it was obvious they hit me), I have no problems~

[joe603]

Wow that is racist! Didn't you see he said he didn't get a BJ?

how do you make a cold latina?.............. marry her

(wife is latina don't hate me)

It not racist if he can back up his comment with statistics. If I lived in Cali, I might look it up...but I really don't care here on the east coast. But this is a slippery slope...be careful guys.

[zozoka1212]

I am glad it turn out good for you. I know for sure here they ask for the police report.

zozo

[0wn3r]

Not really. First off, unless there is an injury or cars stuck in the road, police here rarely show up. I heard at least once a week from people who said they waited after calling the police, but the police fail to show up. In most cases though, police just tell confirm no injuries and no need to have a car towed and they would then tell them to exchange info and call their insurance companies.

Secondly, police reports are considered hearsay evidence. Technically, to validate it, the officer who wrote the report needs to be present in court and each party to the case has to have the right to cross-examine the officer to confirm it's accuracy. And even then, unless the officer was actually there to watch the accident occur, it's not actually witness testimony. The officer is only able to testify to what they observed. Typically, they can only observe the damages, any evidence at the scene (skidmarks, construction, etc. and what the involved parties and witnesses tell him. As a result, a police report is generally not considered strong evidence.

As long as I had handled claims, I hadn't handled any with a lack of a police report that limited my ability to subrogate a claim against the responsible party.

well, to be honest, if the cops show up and see she doesn't have insurance or a license she gets nailed with a bad reputation right away...ESPECIALLY if she's not even a valid driver to begin with. There will at least be paperwork proving she was at the scene and had some type of fault after the ticket/arrest.

also, having the cops arrive and having them report both sides is best. Most of the time people will be honest right at the scene..in this case, she would have admitted fault and you would have had a witness and/or documentation that this was her claim.

However, not having a witness or paperwork allows them time to develop a story against you.

[audtatious]

If the insurance company is ok to pay then you should be GTG. Of course, if they contact her and she denies it all then there may be issues. Personally if somone is driving without insurance and no license I will immediately call the police at the scene. It is very doubtful the insurance company will recoup their costs and those costs are transferred to policy members, thus costing you and me more. Her bad decision and she needs to deal with the repercussions of her actions.

[C-Kwik]

well, to be honest, if the cops show up and see she doesn't have insurance or a license she gets nailed with a bad reputation right away...ESPECIALLY if she's not even a valid driver to begin with. There will at least be paperwork proving she was at the scene and had some type of fault after the ticket/arrest.

also, having the cops arrive and having them report both sides is best. Most of the time people will be honest right at the scene..in this case, she would have admitted fault and you would have had a witness and/or documentation that this was her claim.

However, not having a witness or paperwork allows them time to develop a story against you.

Put your assumptions and speculations aside. Having a police report is not as important as you think. I spent 9 years as a claims adjuster and have handled more that 10,000 claims investigations. I've read thousands of accident reports. What I say comes from real world experience. Frankly, in a lot of cases, not having a police report prevented a party from figuring out some of the questions I might ask and developing a good story. Police reports can be obtained by either party. It's much easier to look credible if you know what the other party is going to say. In most cases, each party has no information on the other parties involved until the report is obtained. Insurance companies have to order them so it takes longer than it would if a party to the accident was to walk into the police station and obtain one. Once they see what the other party says, they can try to create a much more thorough story that contradicts the opposing party's story well.

And just so you know, claims adjusters are trained not to form a bias when they see a person who has no insurance, no license, or even were cited for DUI. Adjusters have to look out for their insured's best interest. Making decision that favors your insured out of bias does them no good. If the other party sues and wins, it not only leaves any settlements amount in the court's hands, but costs everyone involved time and money.

In one way, it is helpful that the police weren't involved. If they did come out, she'd have been cited for both violations. that means she has to pay a fine. If she has a low income, that leaves less to pay the damages back with. It's far easier to ignore an insurance company than it is the government.

[k@osx71]

If they did come out, she'd have been cited for both violations. that means she has to pay a fine. If she has a low income, that leaves less to pay the damages back with. It's far easier to ignore an insurance company than it is the government.

exactly why I didn't want the cops to cite her. I'd rather have her pay for the damages on my car, rather pay the gov. and NOT my car... my girl told me a patrol car drove by while we were talking, haha.