Do I have to LEGALLY fill out accident report?

[mav1178]

Originally Posted by Captain Snooze

I have no idea of the investigative powers that insurance companies have but I am super paranoid about trying to scam insurance companies and the tax office.
You have given 3 identifying pieces of information in your post plus you have given a rough location in your avatar. I don't know if insurance companies scour forums but I would be wearing a foil hat to stop them reading my thoughts.

Undue worry? Perhaps, but that's me.

Insurance companies only care if it impacts their profits (via a claim).

if OP doesn't make a claim and scraps the car, there is nothing to scam as long as he files the proper paperwork to release liability on the VIN.

I've bought/sold/scrapped close to 30 cars in my life, the law may vary by state but the main thing is to establish a documented timeline to absolve yourself of any charges. Whether this is done legally or not, that's up to OP.

[Swift]

Originally Posted by mav1178

Wisconsin:
http://wisconsindot.gov/Pages/safety...t/default.aspx



Minnesota:
https://dps.mn.gov/divisions/dvs/Pag...spx?pageID=488



Or if some other state, do your own research...

Extremely helpful and thanks. So basically no other car was involved(MN) and old camry is worth $3k lets say...but who knows what the damage costs right?? If I don't file a claim or have anyone look at it and just decide to scrap it..that is up to me right? I will make sure the VIN is written off at the scrap yard, and nobody smart would try to fix it because not even worth the sweat equity anyways. I guess...who judges what $1000 worth of damage is unless I file a claim and have an adjuster look at it?

[Swift]

So I got some clarification..it is a "crash report" and they state it is used to help build safer roads. Which I can state almost 100% is a load of bullshit in this state.

Anyways the exact phrase is "if there is an apparent $1000 worth of damage"....not reporting is stated later in a subsection of being a misdemeanor. So I guess I will be turning it in..and watching premiums go up probably. yay.

[mav1178]

Originally Posted by Swift

So I got some clarification..it is a "crash report" and they state it is used to help build safer roads. Which I can state almost 100% is a load of bullshit in this state.

Load of bullshit perhaps, but your fiance hydroplaned for a reason.

Whether that is related to the design of the road or not is subject to investigation.

[rande]

Yeah, that's it. I'm sure if they determine the road was at fault they'll pay for your damages.

[strat61caster]

Originally Posted by rande

Yeah, that's it. I'm sure if they determine the road was at fault they'll pay for your damages.

There are some governments that do.

http://www.dot.ca.gov/damageclaims.html

Edit: And yes, they do pay out.
http://www.nbcbayarea.com/news/local...164321256.html

Since 2007, almost $200 million dollars in damage claims have been filed against Caltrans for bad roads.

Published in 2012 so $200 mil over five years.

[Tcoat]

Originally Posted by Swift

So I got some clarification..it is a "crash report" and they state it is used to help build safer roads. Which I can state almost 100% is a load of bullshit in this state.

Anyways the exact phrase is "if there is an apparent $1000 worth of damage"....not reporting is stated later in a subsection of being a misdemeanor. So I guess I will be turning it in..and watching premiums go up probably. yay.

You never answered my question on a ticket? Did she get one? No ticket no claim no impact on premiums.

[mav1178]

Originally Posted by strat61caster

There are some governments that do.

http://www.dot.ca.gov/damageclaims.html

Edit: And yes, they do pay out.
http://www.nbcbayarea.com/news/local...164321256.html


Published in 2012 so $200 mil over five years.

I have been paid out by local cities for roads under repair that weren't marked properly.

The joys of a sue-happy country...

[Swift]

Originally Posted by Tcoat

You never answered my question on a ticket? Did she get one? No ticket no claim no impact on premiums.

Oh sorry, no ticket.

[Swift]

Originally Posted by mav1178

Load of bullshit perhaps, but your fiance hydroplaned for a reason.

Whether that is related to the design of the road or not is subject to investigation.

I never denied she was driving a little fast...but...is it really to fast for conditions when on the entire 30min drive she was fine, other drivers were passing her etc, except for this one spot? Also I know each section of road in that stretch and where the most crashes happen, this spot has had a quite a few. Trust me ...the one grade is so slight and so long up hill you don't really notice it....but water sure might.

Thanks for all the help guys and we will get it sorted out!

[Tcoat]

Originally Posted by Swift

I never denied she was driving a little fast...but...is it really to fast for conditions when on the entire 30min drive she was fine, other drivers were passing her etc, except for this one spot? Also I know each section of road in that stretch and where the most crashes happen, this spot has had a quite a few. Trust me ...the one grade is so slight and so long up hill you don't really notice it....but water sure might.

Thanks for all the help guys and we will get it sorted out!

All accidents happen after driving for a while with no issues. That logic does not work. It is human nature to try and find some other thing that caused an accident but the fact of the matter is she was driving her car in her manner and it was outside of the conditions. Doesn't matter what other cars were doing they we not her nor her car.

[mav1178]

Originally Posted by Swift

I never denied she was driving a little fast...but...is it really to fast for conditions when on the entire 30min drive she was fine, other drivers were passing her etc, except for this one spot? Also I know each section of road in that stretch and where the most crashes happen, this spot has had a quite a few. Trust me ...the one grade is so slight and so long up hill you don't really notice it....but water sure might.

so.... perhaps it's not bullshit after all. maybe data is needed to determine if the road needs to be redesigned, since you are suggesting there is a flaw.

[why?]

there was a cop there, you don't need to file a claim, but you need to deal with the cops.