Got Hit and Run while parked.

[Tcoat]

Originally Posted by p1l0t

In CT they will.

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Not for a fender bender they won't.


Gotta love that the paint database they use is Canadian!


https://portal.ct.gov/DESPP/Division...elcome-Message


Examiners are asked to analyze paint evidence from cases which usually evolve from hit-and-run incidents or other related investigations. They participate in a collaborative effort in maintaining the Paint Data Query (PDQ) database which is housed and overseen by the Canadian Royal Mounted Police (CRMP). State and local law enforcement agencies investigating hit-and-run homicides and other cases rely on the Chemistry Unit’s accessibility to, and expertise within, the PDQ database. The PDQ contains approximately 20,000 samples of paint systems, which represent over 74,000 individual paint samples from vehicles dating from 1960 to the present. This database assists law enforcement agents in their investigations of cases by providing the list of possible years, models and makes as the source of evidentiary paint samples. The primary instrumental techniques used for paint is a combination of microscopy and Fourier-transform infrared spectrophotometry (FTIR).

[xdavidx]

Originally Posted by evomike

this is not true at all, a hit and run is a no fault accident and will not cause a rate increase.

Only time it doesn't count against you is if 1) it is the other insurance company paying (other party fault) or 2) it is below the $ threshold that company has to determine if it will count against you. Even then, if you have enough claims that are not your fault or cheap, they will start increasing your rates as you will be considered higher risk. Insurance rates are more complex than the old myths we have all come to believe.


The $ threshold creates a lot of confusion as it varies by company and claim type. One guy may have a hit and run and it does $3k damage and his rates don't go up. Another may have a hit and run and it does $3,001 and his rates will be increased. First guy assumes hit and run / no fault doesn't increase rates and posts that on internet forums, four other guys had the same experience and confirm, and then everyone thinks that. A year later, the other guy is like WTF caused my rate to spike?

[evomike]

Originally Posted by xdavidx

Only time it doesn't count against you is if 1) it is the other insurance company paying (other party fault) or 2) it is below the $ threshold that company has to determine if it will count against you. Even then, if you have enough claims that are not your fault or cheap, they will start increasing your rates as you will be considered higher risk. Insurance rates are more complex than the old myths we have all come to believe.


The $ threshold creates a lot of confusion as it varies by company and claim type. One guy may have a hit and run and it does $3k damage and his rates don't go up. Another may have a hit and run and it does $3,001 and his rates will be increased. First guy assumes hit and run / no fault doesn't increase rates and posts that on internet forums, four other guys had the same experience and confirm, and then everyone thinks that. A year later, the other guy is like WTF caused my rate to spike?

your state could be different but here in PA and where he is in Jersey it is a no fault and threshold does not apply, those people could have had it reported incorrectly. I am a Pennsylvania licensed auto appraiser and run a body shop.

[Tcoat]

Originally Posted by xdavidx

Only time it doesn't count against you is if 1) it is the other insurance company paying (other party fault) or 2) it is below the $ threshold that company has to determine if it will count against you. Even then, if you have enough claims that are not your fault or cheap, they will start increasing your rates as you will be considered higher risk. Insurance rates are more complex than the old myths we have all come to believe.


The $ threshold creates a lot of confusion as it varies by company and claim type. One guy may have a hit and run and it does $3k damage and his rates don't go up. Another may have a hit and run and it does $3,001 and his rates will be increased. First guy assumes hit and run / no fault doesn't increase rates and posts that on internet forums, four other guys had the same experience and confirm, and then everyone thinks that. A year later, the other guy is like WTF caused my rate to spike?

Insurance in general causes a lot of confusion! There are very, very few "rules" that apply to everybody equally. Location, company and type of policy are what set what applies to each individual. A person in the same location and with the same company but a slightly different policy can have different requirements or payouts. It is a very individual business so when people start applying what happened to them it could be totally meaningless to anybody else.

[p1l0t]

Originally Posted by Tcoat

Not for a fender bender they won't.


Gotta love that the paint database they use is Canadian!


https://portal.ct.gov/DESPP/Division...elcome-Message


Examiners are asked to analyze paint evidence from cases which usually evolve from hit-and-run incidents or other related investigations. They participate in a collaborative effort in maintaining the Paint Data Query (PDQ) database which is housed and overseen by the Canadian Royal Mounted Police (CRMP). State and local law enforcement agencies investigating hit-and-run homicides and other cases rely on the Chemistry Unit’s accessibility to, and expertise within, the PDQ database. The PDQ contains approximately 20,000 samples of paint systems, which represent over 74,000 individual paint samples from vehicles dating from 1960 to the present. This database assists law enforcement agents in their investigations of cases by providing the list of possible years, models and makes as the source of evidentiary paint samples. The primary instrumental techniques used for paint is a combination of microscopy and Fourier-transform infrared spectrophotometry (FTIR).

It's actually ANY hit-and-run in CT but I don't think he is from CT anyway. Besides they might break down just from the cop asking them anyway, you never know.

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[Tcoat]

Originally Posted by p1l0t

It's actually ANY hit-and-run in CT but I don't think he is from CT anyway. Besides they might break down just from the cop asking them anyway, you never know.

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Your tax bills must be atrocious!


Yep. He filed a report and he has a "suspect". A call to the cops to see if they will even come out would be in order.

[LotsaMiles]

Originally Posted by Tcoat

...make sure they understand that you are paying not the insurance company since it is usually much cheaper.

I backed into one of my own cars a couple of years ago and dinged up the rear corner pretty good and broke the tail light. I bought a tail light, and was going to try to fix it myself but there was too much to it, so I got a quote from a repair place, gave them the tail light and they fixed it. I also filed a claim with my insurer. When I went to pay the shop, they were weirdly surprised when I gave them the check. They did not expect an insurance check and thought I was paying out of pocket. They seemed oddly miffed.


Now I know why.

[finch1750]

Originally Posted by xdavidx

Only time it doesn't count against you is if 1) it is the other insurance company paying (other party fault) or 2) it is below the $ threshold that company has to determine if it will count against you. Even then, if you have enough claims that are not your fault or cheap, they will start increasing your rates as you will be considered higher risk. Insurance rates are more complex than the old myths we have all come to believe.


The $ threshold creates a lot of confusion as it varies by company and claim type. One guy may have a hit and run and it does $3k damage and his rates don't go up. Another may have a hit and run and it does $3,001 and his rates will be increased. First guy assumes hit and run / no fault doesn't increase rates and posts that on internet forums, four other guys had the same experience and confirm, and then everyone thinks that. A year later, the other guy is like WTF caused my rate to spike?

IF that is the case I can tell you State Farm pays at least $8100 and doesn't have it go against you.

[spike021]

Didn't have time to go through this whole thread.

I'll just say it's super worthwhile to spend $300-400 on a decent 2-channel dashcam.

I recently got a Blackvue 750s 2-ch and no kidding, within a month someone backed into my front bumper at work. They didn't leave their info either, but thanks to the dashcam I had all the proof that I needed.

Their insurance covered my deductible even though I went through my own insurance. I'm also still working on getting estimates for a diminished value claim.

But that dashcam was a life-saver. At the very least it's around the cost of my deductible, so it pretty much pays for itself.

Hope you can get things figured out!

[p1l0t]

Originally Posted by Tcoat

Your tax bills must be atrocious!


Yep. He filed a report and he has a "suspect". A call to the cops to see if they will even come out would be in order.

My taxes are insane.

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[extrashaky]

Years ago a girlfriend of mine had her car sideswiped like this, so I went around the parking lot looking for paint transfer with my Polaroid (that should give you an idea how long ago it was). I found the likely culprit parked behind a hair salon adjacent to the apartment building and very conspicuously started taking photographs.

Within a couple of minutes I heard a girl going into the back door of the salon yell, "Hey, some guy's taking pictures of your car out here." Immediately the owner flew out the door shrieking that I didn't have the right to take pictures of her car and threatening to call the police. I sent her into a higher level of hysteria by taking a Polaroid of her also and went back to my girlfriend's place to call the cops myself. Today I would have recorded a funny video of her freaking out on my cell phone.

The cop showed up, looked at both cars and said, "If she won't own up to it, there's nothing I can do without a witness. Let me go talk to her and see what happens."

About ten minutes later he came back and said, "Well, she admitted it, so we'll write this up as her fault." He had her insurance card and driver's license with him, so my girlfriend never had to even deal with her.

Another time one of my neighbors backed his blue boat (on a trailer) into my red truck, then parked it and pretended nothing happened. Blue paint on my truck. Red paint on his boat.

Cop came out and said it was obvious what happened, but he wasn't all that enthusiastic about talking with the guy. He went downstairs and came right back up saying the guy denied it, and without a witness there was nothing the cop could do. So I had to eat that one.

The moral of the story is call the police and have them make a report. You might get lucky and get a cop actually willing to do his job. You might not. The person who hit you might be dumb enough to admit it. Might not. Trying it loses you nothing.

With my truck, the guy all but admitted it to me later when he thought I had retaliated when I hadn't. He was a little too paranoid about retribution. After some other nonsense with this idiot, I eventually did get even. But even though I'm pretty sure the statute of limitations has long since run out, I'll keep that to myself.

[extrashaky]

Originally Posted by Tcoat

Like was said I highly doubt there are many local or state police that are going to send paint samples in for analysis on a hit and run fender bender.

Recently Scott Adams (of Dilbert fame) had Dr. Stephen Hsu, a genetic testing expert, on his podcast. Dr. Hsu has a startup aimed at cutting the cost of testing of genetic crime scene evidence by about 90%. He said that there are 100,000 rape kits going back more than a decade in backlog for DNA testing around the United States.

100,000...

RAPE kits...

... that state and local governments haven't had the budget to test.

And somebody thinks they'll send off paint for analysis for a fender bender?

[RToyo86]

Originally Posted by extrashaky

Years ago a girlfriend of mine had her car sideswiped like this, so I went around the parking lot looking for paint transfer with my Polaroid (that should give you an idea how long ago it was). I found the likely culprit parked behind a hair salon adjacent to the apartment building and very conspicuously started taking photographs.

Within a couple of minutes I heard a girl going into the back door of the salon yell, "Hey, some guy's taking pictures of your car out here." Immediately the owner flew out the door shrieking that I didn't have the right to take pictures of her car and threatening to call the police. I sent her into a higher level of hysteria by taking a Polaroid of her also and went back to my girlfriend's place to call the cops myself. Today I would have recorded a funny video of her freaking out on my cell phone.

The cop showed up, looked at both cars and said, "If she won't own up to it, there's nothing I can do without a witness. Let me go talk to her and see what happens."

About ten minutes later he came back and said, "Well, she admitted it, so we'll write this up as her fault." He had her insurance card and driver's license with him, so my girlfriend never had to even deal with her.

Another time one of my neighbors backed his blue boat (on a trailer) into my red truck, then parked it and pretended nothing happened. Blue paint on my truck. Red paint on his boat.

Cop came out and said it was obvious what happened, but he wasn't all that enthusiastic about talking with the guy. He went downstairs and came right back up saying the guy denied it, and without a witness there was nothing the cop could do. So I had to eat that one.

The moral of the story is call the police and have them make a report. You might get lucky and get a cop actually willing to do his job. You might not. The person who hit you might be dumb enough to admit it. Might not. Trying it loses you nothing.

With my truck, the guy all but admitted it to me later when he thought I had retaliated when I hadn't. He was a little too paranoid about retribution. After some other nonsense with this idiot, I eventually did get even. But even though I'm pretty sure the statute of limitations has long since run out, I'll keep that to myself.

I want closure after reading this long post. I'm all invested

[xdavidx]

Originally Posted by RToyo86

I want closure after reading this long post. I'm all invested

Maybe he can pm you and then you can make an 'if he did it' post. That way, he wouldn't be admitting to anything publicly and there would be no proof.... but we will all know