Hi,
Unfortunately, my car rear ended a van this evening. The guy cut into my lane just before a light. I tried my best to stop but still hit his rear bumper mildly.
His bumper had a few minor scratches and there was no other visible damage. My bumper has a big crack, the left indicator light came off and the plastic plate covering the number plate was shattered. A friend of mine was in his car in the next lane and he witnessed the whole scene.
This was my first collision in the last six years of driving. They other guy knew that he made a mistake of cutting into my lane but kept repeating that I bumped into him. The guy He said he didn't wish to contact his insurance company or go to the collision center if I was okay with that. As I was not sure how to react in the situation, I agreed but took his details (name, driving license number and insurance info) and left the place.
Now I feel that the situation is unfair to me. The guy cut in front of me, I have a witness, my car has suffered more visible damage that his and I am not getting any compensation for the damages.
What should I do in this situation?
Thanks.
You have 50/50 chances. The insurance appraiser can hold you responsible for 100% on fault or may decide to go for 50% on fault. If your loss is under $ 500, in my opinion, is not worth of going for insurance as it may go on record and may impact your insurance for next few years. Without informing your insurance company, find out the impact on your insurance from other broker and do your math to know if it is worth of.
Please update the CDs for your decision and final outcome as it may helpful to others too.
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A Delhite in Toronto
Quote:
Originally posted by RaOne
Hi,
Unfortunately, my car rear ended a van this evening. The guy cut into my lane just before a light. I tried my best to stop but still hit his rear bumper mildly.
His bumper had a few minor scratches and there was no other visible damage. My bumper has a big crack, the left indicator light came off and the plastic plate covering the number plate was shattered. A friend of mine was in his car in the next lane and he witnessed the whole scene.
This was my first collision in the last six years of driving. They other guy knew that he made a mistake of cutting into my lane but kept repeating that I bumped into him. The guy He said he didn't wish to contact his insurance company or go to the collision center if I was okay with that. As I was not sure how to react in the situation, I agreed but took his details (name, driving license number and insurance info) and left the place.
Now I feel that the situation is unfair to me. The guy cut in front of me, I have a witness, my car has suffered more visible damage that his and I am not getting any compensation for the damages.
What should I do in this situation?
Thanks.
A lesson learned – one should install a dashboard cam to avoid such situation. A video can be a good evidence to prove you are not at fault. I am going to install one next week.
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A Delhite in Toronto
Delhite,
I am of the same opinion, a cam installation is kind of getting important, I was involved in an incidence recently in a parking area and we had to somehow agree on 50% mistake each, though I was convinced being not a fault. Luckily damage to my precious new car was minor (not visible), so I let it go.
In case you have done some research , please share the options, cost etc of camera.
Also is it DIY install ?
Still in process of research :-).
Yes - they are DIY install.
http://thewirecutter.com/reviews/best-dash-cam/
http://dashboardcamerareviews.com/
http://sebtanic.hubpages.com/hub/dashcam-faq-all-about-dashboard-cameras
http://www.digitaltrends.com/cars/best-dash-cams/
http://www.techlife.net/2014/04/dash-cam-reviews-buyers-guide.html
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A Delhite in Toronto
If I were in the OP s shoes , I would report the collision and claim other party's fault as the other party cut in at the last moment and you have a witness to the situation.
If you feel that it is unfair to you , chances are that it is .Report the matter to the Police and they will do due diligence .... and figure out who the guilty party is ...
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Fido.
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