Got Rear Ended.. Need Advice

[BRZkitty]

omgee, so sorry to hear/see, def an 86 boo boo.sadface. Hope it gets fixed soon!

[doggieboy09]

DO NOT settle outside of insurance!!! So what if she was nice and sorry, you never want to be a a situation where you have to hunt down that girl because she can't pay yet or she's broke. Buying insurance really sucks until you in that bind. It is in the best interest for both parties to have insurance settle everything, that's why its there!

[microcarmag]

Use insurance!!! Trust me... I was rear ended in my cube... went thru insurance... adjuster came over twice cause they found more damage once they took bumpers and interior totally apart. was really easy... and only cost me my deductible

[RFB]

Originally Posted by microcarmag

Use insurance!!! Trust me... I was rear ended in my cube... went thru insurance... adjuster came over twice cause they found more damage once they took bumpers and interior totally apart. was really easy... and only cost me my deductible

Buy a policy that doesn't charge deductable for not at fault.

Up in the great white we have Gov't regulations for insurance companies so we're lucky in some ways.
In my neck of the woods it used to be that the at fault insurance paid for all damages to both cars then the gov't stepped in and now your own insurance pays for your own damage no matter who's at fault (its called no fault insurance).
Drivers get one at fault before the insurance company can raise your rates.

You have to pay much higher prices if you live in a large urban area.
A buddy of mine pays double what another pays a block away, same insurance company. similar car and driving record.

Down south the insurance companies have a much more extreme varience in what they offer and how much they charge.

It always pays to shop around.





CERBERUS

[Diode Dynamics]

Whenever I get hit, my first instinct is to call the police to get a police report. Get the other driver's information.

Also, never sign anything without talking to a lawyer. You may feel fine now, but you might actually be hurt.

I was rear-ended my Senior-year of high school. My car was totaled and I thought I was fine, but a few hours later I discovered my back was really messed up. I did 2 years of physical therapy for it.

The insurance company tried to "bully" me into signing a waiver releasing them of any responsibility for the medical damages...psh!

/Rant lol

Nick C.

[Vic_RSA]

In South Africa the rules are as follows:

1) Report to nearest Police Station to the accident

2) Report to your insurance with all details

3) Your insurance should do the rest

Don't take pity on anyone till your car is fixed!

Been there before - sucks!!! Want to and kill...

PS: Never admit to guilt and keep yourself cool (unless it's kinda blatant - use your conscience...) and get all details. Keep calm - know how hard it is...

[Vic_RSA]

From the looks of things just muffler, rear valence and bumper are damaged - in SA we're required to specify any aftermarket parts to ensure coverage most of the time. Does the trunk still open/close ok?

[cdo221]

Originally Posted by RFB

Drivers get one at fault before the insurance company can raise your rates.

It sounds good up there, gotta move to Canada! Last time, I was backed into by another car when I was parked. Good thing I was sitting in the car, with a dash camera and was found to be not at fault. My insurance rates still went up by $57 over 6 months

Thanks for the continued advice everybody! I listened to you guys, ended up just filing a claim with my insurance. I talked to them yesterday and today and said that I'll be 0% at fault, so my car should be fixed up by around New Year, rental and everything will be covered.

I tried to get thing sorted out with the other driver but she kept stalling/giving excuses so I just went ahead with the claim. I mean, they might've been legit excuses with the holidays and all, but I needed my car fixed. I definitely hear an exhaust leak, plus it's been a real hassle the past few days because my trunk doesn't work.

For the aftermarket parts I have, the bodyshop says I just have to give them a receipt of it. They'll search for the part, order it directly, and it'll be billed to insurance as part of the repair. Everything should be restored to exactly how it was, including aftermarket stuff.

[ZionsWrath]

The only time you should not report to insurance if it is someone you know personally or you both decide you will pay for your own repairs. I have had 2 "accident" (minor) where I asked the guy if they want to call the police or be on our way. Both times we went on our way and haven't had a problem.

For a rear end with decent damage (yours), I would have call the police right away and got a report. Called insurance and report it.

The only time I didn't go insurance was a time a spun out in snow and hit a wall by myself. The other was a parking damage from a neighbor that was like $300 to fix.

Good luck OP, don't let the ***** power get to you!

[denkigrve]

I saw you driving in south SF tonight on Hickey (merry Xmas). I saw an FRS, then the damage, and now this thread. Definitely at least talk to a shop and insurance. Get both balls rolling in case one drops.

[cdo221]

Originally Posted by denkigrve

I saw you driving in south SF tonight on Hickey (merry Xmas). I saw an FRS, then the damage, and now this thread. Definitely at least talk to a shop and insurance. Get both balls rolling in case one drops.

Merry Xmas to you too, sorry didn't catch any glimpses of you last night. Yea, I'm in contact with both right now. The body shop took pictures of the damage and uploaded to the insurance, I think the shop/insurance are just talking about price/repairs right now before everything is authorized for the go ahead for me to drop off the car.

I rarely get spotted even though this is my DD.. and the few times I do get spotted my car is trashed haha. Wish I got spotted/spot 86s more often but: