Rear-ended

[CradleRobber]

Some dumbass rear-ended me as I was leaving Sacramento at the end of a very fun weekend to visit my parents up north. All the damage is to the bumper, but it now looks pretty ****ty and I try to keep my car looking as nice cosmetically as it is mechanically. The dude (mid-20s, '92 BMW on his dad's insurance) stopped, I took his insurance information and phone number. He admitted it was 100 percent his fault and said he would "take care of it." I said I'd be in touch.

But I have no idea how these situations work, I barely knew what information to take from him at the scene. I don't want it to go through insurance. Even though he is completely at fault (basically trying to make an illegal pass at a stop sign), my parents said they'll take me off their insurance if a claim is reported and I'll be paying on my own.

What's going to happen? Obviously I need to go get a quote and then call this dude, but then what? What are the chances he doesn't answer his phone because he realizes the out-of-area-code number is obviously the guy he hit?

 

[imjustagirl2]

You have got the ****tiest car luck of anyone I know.

Nothing to add beyond that. Sorry, dude.

 

[CradleRobber]

No kidding. I think my whip is seriously cursed.

 

[sportschick]

Should have reported it to the cops. If the accident's not your fault, your insurance shouldn't go up any. Least mine doesn't.

 

[writing irish]

I've had that happen twice, once recently. My car's still in the shop.

There shouldn't be any claim on your policy, but your company needs to know what's going on. It should all be paid for by the other guy's insurance. Talk to your insurance agent. They'll be wanting all the info you have.

 

[wickedwritah]

It's all those Avis jokes you made. Karma is a *****.

 

[Inky_Wretch]

This thread isn't about hooking up with your neighbor?

 

[Angola!]

No kidding. I think my whip is seriously cursed.

Seriously, dude, from old friends throwing rocks at your car to getting rear-ended, I hope your fall is better than your summer.

 

[Clever username]

This thread isn't about hooking up with your neighbor?

I'll be honest, I had the under on this.

 

[wickedwritah]

No kidding. I think my whip is seriously cursed.

Seriously, dude, from old friends throwing rocks at your car to getting rear-ended, I hope your fall is better than your summer.

Yeah, I hope so, too, CR. If it's any consolation, we were thinking of you lots last night.

 

[sportschick]

No kidding. I think my whip is seriously cursed.

Seriously, dude, from old friends throwing rocks at your car to getting rear-ended, I hope your fall is better than your summer.

Don't forget the assholes who ripped off his stereo.

 

[zufer]

Burt Bacharach sings: I was hit ... in the rear...

 

[Chef]

7 posts until we get to the neighbor.

I am supremely upset at this.

You all are slacking.

 

[Evil ... Thy name is Orville Redenbacher!!]

Contact Boots and see if he can get his company's HR people on this.
You should have results within the hour.

 

[Big Buckin' agate_monkey]

I got no stoob joke to add, but I'll echo the idea that you always report it to the cops. By not having them come out, you gave that kid a free pass on a ticket for driving like a jackass, not to mention making the insurance side of this easier with the popo report.

 

[TheSportsPredictor]

I got a nice smashed bumper once. Police were called, report was filed, insurance info was traded, and when I got home a few hours later there was already a call from the other driver's insurance agency. They told me to get three estimates and give them the one in the middle as long as it was under 1K. Got two estimates, one was for like $997, I just submitted that. They sent me a check and I never fixed my bumper.

That was 12 years ago. They might do it different now.

 

[goalmouth]

Just seeing the title of this thread confirms what I knew when I first met CR -- he is going to be a big f'ing stud in this business.

 

[CradleRobber]

Damn. I got a few estimates this morning, ranging from $746 to $921. I called the Sacramento PD to see if I messed up by not calling them out or filing a report, and the operator said that since there were no injuries, no tow truck involved and since I got his information, they wouldn't have filed a report anyway. California DMV requires you to report all accidents over $750, so I'm emailing the guy PDFs for the $746 and going with that to save him more hassle. His deductible is $500 and he said he wants to do it through insurance. He admitted total fault and I have a witness for insurance. He's got AAA, I have USAA. Which one do I call, and does he need to call?

 

[KYSportsWriter]

If it's his fault, he should be the one calling.

 

[ondeadline]

You should have called the police. This has happened twice to us (once with me driving and once with my wife driving). Each time, we got an officer to come in and file a report. Each time, it was the other guy's fault. Each time, we didn't have to pay a cent. It is a hassle with getting a rental car and all, but not costly if done right.