Do I have to LEGALLY fill out accident report? - Toyota GR86, 86, FR-S and Subaru BRZ Forum & Owners Community

Swift · 05-16-2017, 04:11 PM

Long story short..Fiance hydroplaned and crashed. She is okay and no one else hurt. State patrol did come to scene and we flat bed the car home. Car cannot be repaired and only had liability insurance since it was an 04' camry.

My question is should we bother contacting insurance and/or filling out the paper work that "has to be submitted in 10 days"??

Again, no one else was involved, and why tell the insurance company only to have her premiums go up. This is her first accident at the age of 31 btw....

Thanks for any input and thought others would be educated as well in the responses.

evomike · 05-16-2017, 04:13 PM

what did she crash into, without that info its hard to give an answer.

D_Thissen · 05-16-2017, 04:41 PM

Wouldn't the insurance already know? Seeing as the police were involved, I'm sure they did some paper work.

strat61caster · 05-16-2017, 05:16 PM

iirc it varies state to state

Impureclient · 05-17-2017, 02:11 AM

If a car crashes in the forest and no one is around to hear it, does it make a sound?
I say dig a nice big hole in your backyard, bury it and forget it ever existed.

If the car is a loss, then why wouldn't you just cancel the insurance on it and then sell it as scrap?
They're just there to collect that $ for liability insurance because it's mandatory by law. Why should they care where/how the car ends up?

mav1178 · 05-17-2017, 02:34 AM

In California, you have to report an accident to the DMV if the damages exceed $500 or if a person is injured.

This varies by state. You need to be more specific on where you are located...

Captain Snooze · 05-17-2017, 02:39 AM

Quote:

Originally Posted by Swift

only had liability insurance since it was an 04' camry.

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.

mazeroni · 05-17-2017, 12:50 PM

Quote:

Originally Posted by Swift

Long story short..Fiance hydroplaned and crashed. She is okay and no one else hurt. State patrol did come to scene and we flat bed the car home. Car cannot be repaired and only had liability insurance since it was an 04' camry.

My question is should we bother contacting insurance and/or filling out the paper work that "has to be submitted in 10 days"??

Again, no one else was involved, and why tell the insurance company only to have her premiums go up. This is her first accident at the age of 31 btw....

Thanks for any input and thought others would be educated as well in the responses.

Cancel insurance - just say it broke down on the side of the road and can't be repair (not technically incorrect.) Take plates and any info to the DMV so they don't tax you. Tow car to junk yard. Walk away and never speak of it again.

If they come back and ding you, then you get dinged. You aren't going to get arrested or have your name put in a black book for later assassination.

Rampage · 05-17-2017, 01:00 PM

Normally if there is no property damage to anything other than your car then there is no requirement to file a report and if you are not submitting a claim to the insurance company then you do not have to notify them.

Some states have laws about damage over a certain amount but that is to protect 3rd parties and insurance companies. If there is not third party then you should not have an issue.

Swift · 05-17-2017, 08:55 PM

Thanks for all the responses. Let's be clear, I am not trying to scam anyone...shit do you know how many cars end up on used car lots that were supposed to go to scrap? Who is scamming who.

The only other damage was a guardrail...which is why perhaps they gave her the paperwork and it says on it that it has to be turned in within 10days or its a misdemeanor(i didn't see that when I first posted).

But..for all those that replied and popping in,... she drove a Legacy Premium with around 20,000mi on it home tonight and haven't put money down yet. So they have it for $22k...who wants to place bets what I will end up paying for it???

I am shooting for 18K with tax title etc all thrown in.

Tcoat · 05-17-2017, 09:03 PM

Quote:

Originally Posted by Swift

Thanks for all the responses. Let's be clear, I am not trying to scam anyone...shit do you know how many cars end up on used car lots that were supposed to go to scrap? Who is scamming who.

The only other damage was a guardrail...which is why perhaps they gave her the paperwork and it says on it that it has to be turned in within 10days or its a misdemeanor(i didn't see that when I first posted).

But..for all those that replied and popping in,... she drove a Legacy Premium with around 20,000mi on it home tonight and haven't put money down yet. So they have it for $22k...who wants to place bets what I will end up paying for it???

I am shooting for 18K with tax title etc all thrown in.

She should turn in the report. Did they charge her with anything? Could charges be pending? They could up her premiums if she is charged even if there is no claim or actual accident report.

Tcoat · 05-17-2017, 09:09 PM

Quote:

Originally Posted by Swift

Thanks for all the responses. Let's be clear, I am not trying to scam anyone...shit do you know how many cars end up on used car lots that were supposed to go to scrap? Who is scamming who.

The only other damage was a guardrail...which is why perhaps they gave her the paperwork and it says on it that it has to be turned in within 10days or its a misdemeanor(i didn't see that when I first posted).

But..for all those that replied and popping in,... she drove a Legacy Premium with around 20,000mi on it home tonight and haven't put money down yet. So they have it for $22k...who wants to place bets what I will end up paying for it???

I am shooting for 18K with tax title etc all thrown in.

She should turn in the report. Did they charge her with anything? Could charges be pending? They could up her premiums if she is charged/ticketed even if there is no claim or actual accident report.

mav1178 · 05-17-2017, 09:17 PM

Quote:

Originally Posted by Swift

Thanks for all the responses. Let's be clear, I am not trying to scam anyone...shit do you know how many cars end up on used car lots that were supposed to go to scrap? Who is scamming who.

The only other damage was a guardrail...which is why perhaps they gave her the paperwork and it says on it that it has to be turned in within 10days or its a misdemeanor(i didn't see that when I first posted).

But..for all those that replied and popping in,... she drove a Legacy Premium with around 20,000mi on it home tonight and haven't put money down yet. So they have it for $22k...who wants to place bets what I will end up paying for it???

I am shooting for 18K with tax title etc all thrown in.

We still need to know what state it happened in.

Without that info, you really are getting a range of answers.

-alex

mav1178 · 05-17-2017, 09:19 PM

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

Quote:

Injury of a person
$1,000 or more damage to any person's vehicle or property
Damage of $200 or more to state or other government-owned property other than a vehicle

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

Quote:

Every driver of a motor vehicle involved in a crash that results in injury or death, or total property damage of $1,000 or more, must file a crash report within 10 days of the incident.

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

05-16-2017, 04:11 PM	#1
Swift I just Drive. Join Date: Jun 2012 Drives: in the womb still Location: WI/MN Posts: 304 Thanks: 0 Thanked 116 Times in 86 Posts Mentioned: 2 Post(s) Tagged: 0 Thread(s)	Do I have to LEGALLY fill out accident report? Long story short..Fiance hydroplaned and crashed. She is okay and no one else hurt. State patrol did come to scene and we flat bed the car home. Car cannot be repaired and only had liability insurance since it was an 04' camry. My question is should we bother contacting insurance and/or filling out the paper work that "has to be submitted in 10 days"?? Again, no one else was involved, and why tell the insurance company only to have her premiums go up. This is her first accident at the age of 31 btw.... Thanks for any input and thought others would be educated as well in the responses. __________________ -Waiting patiently for the right FT-86... -92' Acura Legend 5spd coupe twin turbo project

05-16-2017, 04:41 PM	#3
D_Thissen Senior Member Join Date: Jan 2014 Drives: '13 Argento FR-S (Sold) Location: Ontario Posts: 2,126 Thanks: 3,209 Thanked 1,439 Times in 855 Posts Mentioned: 19 Post(s) Tagged: 2 Thread(s)	Wouldn't the insurance already know? Seeing as the police were involved, I'm sure they did some paper work. __________________ My FR-S Build IG: dthissen

05-17-2017, 01:00 PM	#9
Rampage Senior Member/Old Fanboi Join Date: Nov 2011 Drives: 2000 2ZZ-GE MR2 Spyder HT Location: Back home in Ohio now Posts: 2,446 Thanks: 1,931 Thanked 2,014 Times in 915 Posts Mentioned: 16 Post(s) Tagged: 0 Thread(s)	Normally if there is no property damage to anything other than your car then there is no requirement to file a report and if you are not submitting a claim to the insurance company then you do not have to notify them. Some states have laws about damage over a certain amount but that is to protect 3rd parties and insurance companies. If there is not third party then you should not have an issue. __________________ So many modders have more cents than sense!

05-17-2017, 08:55 PM	#10
Swift I just Drive. Join Date: Jun 2012 Drives: in the womb still Location: WI/MN Posts: 304 Thanks: 0 Thanked 116 Times in 86 Posts Mentioned: 2 Post(s) Tagged: 0 Thread(s)	Thanks for all the responses. Let's be clear, I am not trying to scam anyone...shit do you know how many cars end up on used car lots that were supposed to go to scrap? Who is scamming who. The only other damage was a guardrail...which is why perhaps they gave her the paperwork and it says on it that it has to be turned in within 10days or its a misdemeanor(i didn't see that when I first posted). But..for all those that replied and popping in,... she drove a Legacy Premium with around 20,000mi on it home tonight and haven't put money down yet. So they have it for $22k...who wants to place bets what I will end up paying for it??? I am shooting for 18K with tax title etc all thrown in. __________________ -Waiting patiently for the right FT-86... -92' Acura Legend 5spd coupe twin turbo project

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05-16-2017, 04:13 PM	#2
evomike Senior Member Join Date: Oct 2013 Drives: frs Location: philly Posts: 562 Thanks: 18 Thanked 310 Times in 182 Posts Mentioned: 4 Post(s) Tagged: 0 Thread(s)	what did she crash into, without that info its hard to give an answer.

05-17-2017, 02:11 AM	#5
Impureclient Banned Join Date: May 2015 Drives: 2015 FR-S Location: NPR, Florida Posts: 2,404 Thanks: 1,802 Thanked 2,903 Times in 1,282 Posts Mentioned: 25 Post(s) Tagged: 2 Thread(s)	If a car crashes in the forest and no one is around to hear it, does it make a sound? I say dig a nice big hole in your backyard, bury it and forget it ever existed. If the car is a loss, then why wouldn't you just cancel the insurance on it and then sell it as scrap? They're just there to collect that $ for liability insurance because it's mandatory by law. Why should they care where/how the car ends up?

05-17-2017, 02:34 AM	#6
mav1178 Senior Member Join Date: Apr 2013 Drives: 2005 Toyota Camry Location: 91745 Posts: 6,562 Thanks: 493 Thanked 6,099 Times in 3,030 Posts Mentioned: 95 Post(s) Tagged: 3 Thread(s)	In California, you have to report an accident to the DMV if the damages exceed $500 or if a person is injured. This varies by state. You need to be more specific on where you are located...

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