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Got into an accident. Looking for Legal advice, Help me out with opinions

Old 05-Feb-2009, 02:20 PM
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Got into an accident. Looking for Legal advice, Help me out with opinions

Yesterday in the morning rush. I was driving to school and I rear-ended a Volvo s70 and I scratched up here paint alot. My civic took most of the damage, busting my driverside light and bending my hood and fender.
We went to change information, and she did not have her insurance papers on her.... in my head I thought I should told her to **** off and booked it. But the good guy I am I still took blame for the accident. She didn't go write up a report with the cops. She just told me that she'll send me an estimate on the damage.
Now I realize that since she didn't have her insurance papers on her and I don't think I should pay for the damages since she did not write a report, or make a claim with my insurance. I don't know if I should let this go to court or just pay it off? Any idea's of that I should do?

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Old 05-Feb-2009, 02:28 PM
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If you have an at fault accident her insurance will go up alot, unless you have accident forgivness. It is really up to you, I myself would wait for the estmaite and see what she wants and use going to insurance as a way to talk her down. Like come on, there isn't much damage, she just most likely wants to pocket some cash. She most likley won't fix it even if you pay her.

But is is your call. This is just my 2 cents

I accidently bumped a guy before and just paid hime cash on the seen, just went to the atm and took out $300 and he was happy, similar damage.
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Old 05-Feb-2009, 03:19 PM
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the good guy that you are?

you rear ended her you clown.

all she needed was your plate and po-po to show up and see your front bumper.

Being the good guy that you are means you didn't risk also getting your license suspended.

remember, if she goes to insurance, you will be at fauly on your insurance because you rear ended her.

assuming you are paying for the damage that you caused, i'd suggest they write something saying you've paid in full, or give them a cheque and in the memo section write 'full payment for collision'.

this is so that they don't take you to judge judy and say you never paid
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Old 05-Feb-2009, 03:20 PM
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^^^ again i second this, good call on the note in the cheque
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Old 05-Feb-2009, 05:18 PM
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I almost had someone screw me over. I was rear-ended. He tried to flee. Luckily I wasn't at fault ever. If I were you, just give her what a real quote would go for and watch her bring it to the body shop, inspect it before AND after; make sure she used your money for the right reason. You are legally at fault and could be in alot of trouble. Unless it is below $700. If more then you should've called the police. Just my $.02
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Old 05-Feb-2009, 05:30 PM
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Why would you just forget about paying her because she doesnt have insurance?
What is this world coming to!?!?! YOU HIT HER! so simply you pay up! unless you want to be the scum piece of **** like your making yourself out to be!
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Old 05-Feb-2009, 07:10 PM
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cmon queef!
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Old 05-Feb-2009, 07:54 PM
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they gave me an estimate from the "volvo dealership", of $1000. I said to her, not 998.10 or something like that? she said no 1000 was the quote.
and kwik she has insurance but she didn't have her papers on her.
thanks alot guys.
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Old 05-Feb-2009, 10:02 PM
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tell her you want quotes from 3 shops and make one of them macco then either pay the average price or choose wat u think is right my gf just had same thing buddy smashed into a snowbank and she sled into to him and shes at fault. plus if the damaga is under $1000 you dont need to report it as long as information was exchanged but she could still make a claim for up to a year depending on what insurence company shes with. honestly tho just tell her to go to macco when your there they'll prolly chrage u lik $200-$400 buxs sand bondo prime paint
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Old 05-Feb-2009, 10:47 PM
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$1000 for a bumper and paint from volvo seems about right. She has every right to have her car back to how IT WAS before you hit her.

I was hit by a lady, damage wasnt that bad but i refused to have any bondo because my car didnt have bondo when it was built so i demanded a new panel be installed.
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Old 05-Feb-2009, 10:49 PM
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Originally Posted by chops3266 View Post
... my gf just had same thing buddy smashed into a snowbank and she sled into to him and shes at fault...
hey steve, didnt your g/f get t-boned last summer? lol should really teach her how to drive
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Old 05-Feb-2009, 11:17 PM
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$1000 sounds about right..

my sister just had her TSX hit in a parking lot and a small crack and paint cost $950
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Old 06-Feb-2009, 01:23 AM
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Originally Posted by quy_vo View Post
Now I realize that since she didn't have her insurance papers on her and I don't think I should pay for the damages since she did not write a report, or make a claim with my insurance. I don't know if I should let this go to court or just pay it off? Any idea's of that I should do?
She can still submit a claim to her insurance company. If she does, her rates will not rise because you ran into the back of her and that makes the collision 100% your fault by law whether or not you are charged or go to court.

Insurance companies talk to each other a LOT. If you try to stiff her and she goes through her insurance, she will be passing your information to her insurance company. Her insurance company will pass information about the collision and damage on to YOUR insurance company.

When that happens, you potentially get screwed twice, first for having a collision, and second for not reporting it to your insurance company. One can result in higher rates, while the other can result in your insurance company cancelling your policy.

Whether she lets you pay or whether she goes through her insurance company, she gets to decide where she takes her car to get it fixed. She should hold out and demand that you pay for a rental car while her car is in the shop as well.

You hit her. Unless you are the irresponsible bottom-feeding pond scum that your own words strongly suggests you are, you should pay up. Be thankful

Quite frankly, I'm almost hoping you try to skip out on her. She'll still get her car fixed at no cost to her, but you'll end up taking it hard up the backside.
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Old 11-Feb-2009, 06:44 PM
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thanks for critize from all. I am just a young driver learning.. thanks to all that helped. and in the her bumper it wasn't cracked. they sent my a receipt for about $650.00. Thanks all for help

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