need advice: Post car accident

Discussion in 'Odds & Ends' started by TennisAddiction, Jul 9, 2013.

  1. TennisAddiction

    TennisAddiction Rookie

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    I'm new here and thought I'd ask for some advice. My wife's mini-van was hit while parked at work by a co-worker and it turns out that the person who hit her may not have been covered by insurance when it happend. If we end up having to shell out for the deducatble what is the best course of action in pursing that payment from the lady short of legal action? I want to be firm and scare the crap out of her but I don't want to spend the money for an attorney that would cost more than the decutable itself.

    Thanks!
     
    #1
  2. sureshs

    sureshs Bionic Poster

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    If you try to scare her, it only puts you into trouble. You can do nothing to her other than going to the police and then the small claims court. Her lack of insurance may cause suspension of her license and it will come out in court. But if she keeps a record of what you say to her, you will be the one in trouble as she can file a lawsuit against you.
     
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  3. newpball

    newpball Legend

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    Asking her in a non threatening way to pay for the damage, perhaps you could offer her a payment plan if she cannot pay the whole cost at once, try to work with her.

    If you scare or harass her you will get yourself in trouble.
     
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  4. 10s talk

    10s talk Semi-Pro

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    start by asking her to pay the entire cost of repairs

    if that fails talk to your insurance company

    How much damage are we talking about ? Where the police involved ? You do realize she is breaking the law by not having insurance.
     
    #4
  5. TennisAddiction

    TennisAddiction Rookie

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    Thanks everyone. I probably shouldn't have used the word scare but rather I just want her to own up to the damage she caused and pay what's fair. Hoping for the best but starting to prepare for the worst. :-?
     
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  6. sureshs

    sureshs Bionic Poster

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    Have you informed your insurance company and filed a police report? The longer you delay, the less credible you will seem to be.
     
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  7. TennisAddiction

    TennisAddiction Rookie

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    We called our insurance right away and they have ben very helpful. Because of the fact that our car was parked and we weren't in it, there isn't much for them today since we are not at fault. The other insurance company is who we have been working with. As it turns out, we discovered that she was uninsured that morning and then when she hit our van she went in and re-insured herself (according to her insurance company).
     
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  8. sureshs

    sureshs Bionic Poster

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    But her effective date will be after the accident, so would the company cover it? Sometimes though they may make it the same day, but I am sure the company knows all the tricks that people play. Yet, they may take it up hoping to get her as a customer for a long time, and up her rate.

    She did the right thing though, otherwise she could be in big trouble.
     
    #8
  9. krz

    krz Professional

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    Tell her to pay for all of the repair costs.

    Maybe I'm just a D but I wouldn't have much remorse for the other person in this situation. Driving without insurance smh =\
     
    #9
  10. LuckyR

    LuckyR Legend

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    Since you have already spoken to the insurance company your hands are tied: you have to go through their claims. You can try to get her to pay or sue her if she doesn't pay and perhaps eat the costs of your deductible if the numbers don't add up (and you don't have uninsured motorist coverage, since if you had it, this thread is moot).

    The other option if you had not already spoken to your insurance company would have been to lie to them and say that your car was vandalized in the parking lot and have your comprehensive pay for it (of course if the deductible is the same, there is no advantage).
     
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  11. 10s talk

    10s talk Semi-Pro

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    not true, speaking to the insurance company does not mean a claim was filed
     
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