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Car Accident - What to do next?
I live in Florida and unfortunately this morning I was backing out of a parking space and ended up reversing into someones passenger door as they drove by. She mentioned it was her mother's car so I apologized and gave her my information but since this was my first accident I didn't think to get any of hers (obviously I know better now). Just in case I called my insurance company and gave them a recorded statement of what happened and that I failed to get any of their information but I gave them a rundown of the damage to their car anyway so that they would be prepared in case the girl's mother called them.
As far as damage goes my truck wasn't hurt at all but her car door was dented a bit from my hitch with a small chip in the paint and her passenger mirror was folded in. My question is what should I be expecting next?
My main worry is that if they decide they don't want to involve the insurance company would I be required to pay for their repairs out of pocket? My job recently cut my income by 50% and I can barely make ends meet as it is.
Best Answer - Chosen by Asker
they have your insurance info1 they call and insurance co deals with it
2 they don't call..your off hook
3 they get it fixed without insurance co...they pay..your off hook [if they send bill to you..send it to ur insurance noting you didn't agree to anything...your off hook
4 worst that happens is they try to claim medical injury..,,that goes to insurance co..
be good to read your policy as all are different...see what it sez about accidents..[i assume you have collision ins]
except for not getting info your not in any trouble...sleep easy
40 yr deiver,,,a few fender benders...3 yrs ago i backed into someone with my chevy s 10 pick...we traded info...i called my co to give heads up...they never reported it] my trucks bumper wasnt even scratched much like ur accident
i know a easy way to get out of it if you did,nt contact the insurance. you and her could have got together, sit down to a cup of coffee and offer her the money to get her car fixed. that way no police or insurance company would had to got involved. that was the way it was when you did,nt have to have insurance but now all they want to do is sue.
Since you already involved the insurance company, they have a record of the accident. They have to make a claim against the insurance company. If they attempt to involve you, the insurance company has lawyers to represent you. I wouldn't worry about it.
They don't get to decide that insurance isn't involved. You pay for your insurance and that is who pays minus any deductible.
I would suggest that you contact them. Give them the claim number your insurance company gave you and a phone number for the insurance company and let the insurance company handle it from this point on. You are under no obligation to have any other communications with them.