Idiot hit our car

[Sphexi]

Update:

Spoke to her on the phone, turns out she's only got her learners (up here you get your learners, then your driver's license, then have to have a magnetic "N" on your car for two years so people know you're new), and was driving her mom's car when she wasn't supposed to. So not only is she not fully licensed, but was driving without an adult in the car who was. She's 20 or something, basically begged us to report it as a hit and run and she'd pay our deductable (and our insurance goes up and we're a party to fraud), or to let her pay for the estimate, which is going to be $1k+, on a payment plan to us.

Answer was no to both, we told her flat out that we were going to report it to insurance as is and give them any info we had, and encouraged her to come clean on it. At that point she started going on and on about how this would effect her job (shouldn't because she can't drive by herself anyways), and that unless the repair was under $300 or so she couldn't afford it anyways. So not only can she not afford to pay for it, but wants to be on a payment plan or some stupid crap.

Tomorrow the wife is going in to file a police report, we know it's a local mobile number, they already said that they'll get the info from the company and pass it on to insurance, she also said that she was going for her full driver's test next week and really wants to pass. At this point I really don't want her on the road, and now she's cost us a fair bit of money that she made very clear she couldn't afford to pay back unless we give her several months to do so, which isn't going to happen. So I'll let the police and the insurance company do their thing, fix our car, and go from there.

 

[Whoozyerdaddy]

Originally posted by: dethman
if she's willing to pay, i don't see the problem. other than you being a jerkoff of course.

His insurance cmpany might be different... but with my insurer, if you don't report the accident within 24 hours you're SOL. So if the OP doesn't report and she bails on him he could lose his right to file.

Eh... *finishes reading thread*
Nevermind...

 

[JEDI]

Originally posted by: Sphexi
So our landlord shows up to do some work today, and gives us a note that was left on our car, from "Ashley". No last name, no other info other than that and her phone number. Apparantly she's a new driver, has no idea how to back out of a parking space, and put a wicked dent in our passenger side door.

She doesn't want us to go to the insurance company as she's a new driver. Now, up here there's only one insurance company, and they're pretty straightforward. For something like this they'd jack her rate up by 10% for a year, and if she goes a year with no further issues they'd drop it back down. That's maybe $100+ a year at worst for her, compared to the possible grand it'll take to fix our door. She wants to pay for it herself, which is a big no-no.

Basically she wants us to call her with an estimate and we'll "work it out", which to me means she'll try to weasle out of it. We're going to file anyways on Monday, but before then we'll do our best to get as much info on her as possible, and if she shows up at the building again, a picture of her car (she's a guest here I think).

Seriously though, how hard is it to back out of a spot and not hit somebody? I can understand maybe nicking the back corner of their car as you start to turn, but she started to turn when her front end was next to our door, that's just retarded.

Pics and poorly drawn recreations to follow.

insurance?

paging PAB. Where r u PAB?

op, give her a break. she was nice enuf to leave u a note. she could have just sped off. give her a call.

 

[Sphexi]

Originally posted by: JEDI

Originally posted by: Sphexi
So our landlord shows up to do some work today, and gives us a note that was left on our car, from "Ashley". No last name, no other info other than that and her phone number. Apparantly she's a new driver, has no idea how to back out of a parking space, and put a wicked dent in our passenger side door.

She doesn't want us to go to the insurance company as she's a new driver. Now, up here there's only one insurance company, and they're pretty straightforward. For something like this they'd jack her rate up by 10% for a year, and if she goes a year with no further issues they'd drop it back down. That's maybe $100+ a year at worst for her, compared to the possible grand it'll take to fix our door. She wants to pay for it herself, which is a big no-no.

Basically she wants us to call her with an estimate and we'll "work it out", which to me means she'll try to weasle out of it. We're going to file anyways on Monday, but before then we'll do our best to get as much info on her as possible, and if she shows up at the building again, a picture of her car (she's a guest here I think).

Seriously though, how hard is it to back out of a spot and not hit somebody? I can understand maybe nicking the back corner of their car as you start to turn, but she started to turn when her front end was next to our door, that's just retarded.

Pics and poorly drawn recreations to follow.

insurance?

paging PAB. Where r u PAB?

op, give her a break. she was nice enuf to leave u a note. she could have just sped off. give her a call.

Didn't read my update I'm guessing ....did call her, she tried to 1) get out of it, and 2) get us to let her make "installment" payments on the damage to us. How would we hold her to that? She obviously can't afford to pay even our deductible outright, no chance in hell I'm going to trust her to pay us over a few months. Her best option would simply to admit to the dent and file as well, and take the penalty on her insurance.

 

[JEDI]

Originally posted by: Sphexi
Didn't read my update I'm guessing ....did call her, she tried to 1) get out of it, and 2) get us to let her make "installment" payments on the damage to us. How would we hold her to that? She obviously can't afford to pay even our deductible outright, no chance in hell I'm going to trust her to pay us over a few months. Her best option would simply to admit to the dent and file as well, and take the penalty on her insurance.

what update? 1st post is still unedited.

u've been here for 3yrs, and dont know yur suppose to update edit your op if u have new info?

 

[Sphexi]

Originally posted by: JEDI

Originally posted by: Sphexi
Didn't read my update I'm guessing ....did call her, she tried to 1) get out of it, and 2) get us to let her make "installment" payments on the damage to us. How would we hold her to that? She obviously can't afford to pay even our deductible outright, no chance in hell I'm going to trust her to pay us over a few months. Her best option would simply to admit to the dent and file as well, and take the penalty on her insurance.

what update? 1st post is still unedited.

u've been here for 3yrs, and dont know how to update your op?

And you've been here for 6 and still don't read through entire threads?



Point taken though, OP is edited.

 

[compman25]

Originally posted by: JEDI

Originally posted by: Sphexi
So our landlord shows up to do some work today, and gives us a note that was left on our car, from "Ashley". No last name, no other info other than that and her phone number. Apparantly she's a new driver, has no idea how to back out of a parking space, and put a wicked dent in our passenger side door.

She doesn't want us to go to the insurance company as she's a new driver. Now, up here there's only one insurance company, and they're pretty straightforward. For something like this they'd jack her rate up by 10% for a year, and if she goes a year with no further issues they'd drop it back down. That's maybe $100+ a year at worst for her, compared to the possible grand it'll take to fix our door. She wants to pay for it herself, which is a big no-no.

Basically she wants us to call her with an estimate and we'll "work it out", which to me means she'll try to weasle out of it. We're going to file anyways on Monday, but before then we'll do our best to get as much info on her as possible, and if she shows up at the building again, a picture of her car (she's a guest here I think).

Seriously though, how hard is it to back out of a spot and not hit somebody? I can understand maybe nicking the back corner of their car as you start to turn, but she started to turn when her front end was next to our door, that's just retarded.

Pics and poorly drawn recreations to follow.

insurance?

paging PAB. Where r u PAB?

op, give her a break. she was nice enuf to leave u a note. she could have just sped off. give her a call.

He's busy collecting on a loan of his where he got a Peterbuilt as collateral.

 

[rh71]

Originally posted by: Sphexi
Update:

Spoke to her on the phone, turns out she's only got her learners (up here you get your learners, then your driver's license, then have to have a magnetic "N" on your car for two years so people know you're new), and was driving her mom's car when she wasn't supposed to. So not only is she not fully licensed, but was driving without an adult in the car who was. She's 20 or something, basically begged us to report it as a hit and run and she'd pay our deductable (and our insurance goes up and we're a party to fraud), or to let her pay for the estimate, which is going to be $1k+, on a payment plan to us.

Answer was no to both, we told her flat out that we were going to report it to insurance as is and give them any info we had, and encouraged her to come clean on it. At that point she started going on and on about how this would effect her job (shouldn't because she can't drive by herself anyways), and that unless the repair was under $300 or so she couldn't afford it anyways. So not only can she not afford to pay for it, but wants to be on a payment plan or some stupid crap.

Tomorrow the wife is going in to file a police report, we know it's a local mobile number, they already said that they'll get the info from the company and pass it on to insurance, she also said that she was going for her full driver's test next week and really wants to pass. At this point I really don't want her on the road, and now she's cost us a fair bit of money that she made very clear she couldn't afford to pay back unless we give her several months to do so, which isn't going to happen. So I'll let the police and the insurance company do their thing, fix our car, and go from there.

Yup she obviously can't pay it on her own (and amazed she left a note under her circumstances). She needs to let her insurance handle it, even from her point of view.

 

[Pepsi90919]

where do you live where there's only 1 insurance company?

 

[mb]

A payment plan? Hahaha I knew it!

 

[Braznor]

Dude, if she is hot enough, tell her money ain't everything

 

[TallBill]

The ONLY way to handle it is calling the insurance, regardless if you were at fault or they were. Any other action can lead to trouble.

 

[Eeezee]

You're lucky she didn't just run. You've got to at least give her credit for that. Cut her some slack.

You must report it to the insurance company, but maybe slip her a few bucks for being a good person? I just don't want her to think of fleeing the scene next time since she got screwed for doing the right thing this time. It doesn't feel right. She fucked up and is paying for the consequences, but only because she did the right thing and left you a phone number. It feels strange, don't you agree?

 

[Braznor]

Originally posted by: Eeezee
You're lucky she didn't just run. You've got to at least give her credit for that. Cut her some slack.

You must report it to the insurance company, but maybe slip her a few bucks for being a good person? I just don't want her to think of fleeing the scene next time since she got screwed for doing the right thing this time. It doesn't feel right. She fucked up and is paying for the consequences, but only because she did the right thing and left you a phone number. It feels strange, don't you agree?

Yep, she needs a reward for her honesty and I just happen to know the reward for it.

 

[KK]

Originally posted by: Braznor

Originally posted by: Eeezee
You're lucky she didn't just run. You've got to at least give her credit for that. Cut her some slack.

You must report it to the insurance company, but maybe slip her a few bucks for being a good person? I just don't want her to think of fleeing the scene next time since she got screwed for doing the right thing this time. It doesn't feel right. She fucked up and is paying for the consequences, but only because she did the right thing and left you a phone number. It feels strange, don't you agree?

Yep, she needs a reward for her honesty and I just happen to know the reward for it.

pearl necklace?

 

[runzwithsizorz]

Just a little food for thought here. A few years ago I put a dent in a guys car, pretty much all my fault. We knew each other, so when I said we'll just work it out, he didn't have a problem with it. I told him to get an estimate, which he did, at the most expensive auto/body shop in town, but hey, I'm in no position to argue, the estimate was $1300. Meanwhile, I talked to my agent, and was told that my rates would be going up $400 a year for the next 4 years, AND, they had no choice but to notify the DMV. I had been with this insurance co.(State Farm) for 17 years, with max coverage on 4 cars, they also had the policy on my house. Never a claim, and a perfect driving record. I simply wrote the guy a check. Something I failed to ask the agent is, what if I had done something like $5000 in damages. Maybe insurance companies are different in Canada, or I have really crappy insurance, (10% for only a year?).
It would be real nice if the Op could work with the girl, but its got to be cash in full, PERIOD!

 

[KK]

Originally posted by: runzwithsizorz
Just a little food for thought here. A few years ago I put a dent in a guys car, pretty much all my fault. We knew each other, so when I said we'll just work it out, he didn't have a problem with it. I told him to get an estimate, which he did, at the most expensive auto/body shop in town, but hey, I'm in no position to argue, the estimate was $1300. Meanwhile, I talked to my agent, and was told that my rates would be going up $400 a year for the next 4 years, AND, they had no choice but to notify the DMV. I had been with this insurance co.(State Farm) for 17 years, with max coverage on 4 cars, they also had the policy on my house. Never a claim, and a perfect driving record. I simply wrote the guy a check. Something I failed to ask the agent is, what if I had done something like $5000 in damages. Maybe insurance companies are different in Canada, or I have really crappy insurance, (10% for only a year?).
It would be real nice if the Op could work with the girl, but its got to be cash in full, PERIOD!

I would search for another insurance agent. How are your rates?

 

[Braznor]

Originally posted by: KK

Originally posted by: Braznor

Originally posted by: Eeezee
You're lucky she didn't just run. You've got to at least give her credit for that. Cut her some slack.

You must report it to the insurance company, but maybe slip her a few bucks for being a good person? I just don't want her to think of fleeing the scene next time since she got screwed for doing the right thing this time. It doesn't feel right. She fucked up and is paying for the consequences, but only because she did the right thing and left you a phone number. It feels strange, don't you agree?

Yep, she needs a reward for her honesty and I just happen to know the reward for it.

pearl necklace?

Nope, a mobile self elongating Christmas tree!

 

[Iron Woode]

Originally posted by: Sphexi
So our landlord shows up to do some work today, and gives us a note that was left on our car, from "Ashley". No last name, no other info other than that and her phone number. Apparantly she's a new driver, has no idea how to back out of a parking space, and put a wicked dent in our passenger side door.

She doesn't want us to go to the insurance company as she's a new driver. Now, up here there's only one insurance company, and they're pretty straightforward. For something like this they'd jack her rate up by 10% for a year, and if she goes a year with no further issues they'd drop it back down. That's maybe $100+ a year at worst for her, compared to the possible grand it'll take to fix our door. She wants to pay for it herself, which is a big no-no.

Basically she wants us to call her with an estimate and we'll "work it out", which to me means she'll try to weasle out of it. We're going to file anyways on Monday, but before then we'll do our best to get as much info on her as possible, and if she shows up at the building again, a picture of her car (she's a guest here I think).

Seriously though, how hard is it to back out of a spot and not hit somebody? I can understand maybe nicking the back corner of their car as you start to turn, but she started to turn when her front end was next to our door, that's just retarded.

Pics and poorly drawn recreations to follow.



Update:

Spoke to her on the phone, turns out she's only got her learners (up here you get your learners, then your driver's license, then have to have a magnetic "N" on your car for two years so people know you're new), and was driving her mom's car when she wasn't supposed to. So not only is she not fully licensed, but was driving without an adult in the car who was. She's 20 or something, basically begged us to report it as a hit and run and she'd pay our deductable (and our insurance goes up and we're a party to fraud), or to let her pay for the estimate, which is going to be $1k+, on a payment plan to us.

Answer was no to both, we told her flat out that we were going to report it to insurance as is and give them any info we had, and encouraged her to come clean on it. At that point she started going on and on about how this would effect her job (shouldn't because she can't drive by herself anyways), and that unless the repair was under $300 or so she couldn't afford it anyways. So not only can she not afford to pay for it, but wants to be on a payment plan or some stupid crap.

Tomorrow the wife is going in to file a police report, we know it's a local mobile number, they already said that they'll get the info from the company and pass it on to insurance, she also said that she was going for her full driver's test next week and really wants to pass. At this point I really don't want her on the road, and now she's cost us a fair bit of money that she made very clear she couldn't afford to pay back unless we give her several months to do so, which isn't going to happen. So I'll let the police and the insurance company do their thing, fix our car, and go from there.

are you in Ontario?

I had a drunk driver seriously damage my door. I got all his info (plate, make and model, name and drivers license number) and he said he would pay for it. My deductible was $500.00 and the total bill came to $495.00. So the guy tries to play hide and seek with me.

It was his friend's car. I got the owner's insurance company's name and called them and reported the "accident". You would not believe how helpful they were upon hearing about an unreported accident while the car was not driven by the insured and the driver being drunk behind the wheel and me threatening a serious lawsuit. They gave me the insured's name and address and phone number. I called him and explained what happened and why he will probably not have car insurance now. He was quick to point me to his friend. I went to his friend's house and under threat of beating the hell out of him, he gave me the money to pay for my door.

See, it all works out in the end.

Good luck with your door.

 

[Beller0ph1]

I've watched enough "People's Court". You better file a police report AND an insurance claim.

 

[moshquerade]

there should never even be contemplation not to report an accident to an ins. company. it's a good way to get screwed over.

 

[alphatarget1]

It's pretty unnecessary.. Come on, if she wanted to run (she very well could have) she wouldn't have left the note. You're being an ass.

 

[CycloWizard]

Next time, she'll just drive off and not leave a note. I've had that done to me five times now. You could cut her some slack for being honest, but at the same time, I understand why you're pissed.

 

[runzwithsizorz]

Originally posted by: KK

Originally posted by: runzwithsizorz
Just a little food for thought here. A few years ago I put a dent in a guys car, pretty much all my fault. We knew each other, so when I said we'll just work it out, he didn't have a problem with it. I told him to get an estimate, which he did, at the most expensive auto/body shop in town, but hey, I'm in no position to argue, the estimate was $1300. Meanwhile, I talked to my agent, and was told that my rates would be going up $400 a year for the next 4 years, AND, they had no choice but to notify the DMV. I had been with this insurance co.(State Farm) for 17 years, with max coverage on 4 cars, they also had the policy on my house. Never a claim, and a perfect driving record. I simply wrote the guy a check. Something I failed to ask the agent is, what if I had done something like $5000 in damages. Maybe insurance companies are different in Canada, or I have really crappy insurance, (10% for only a year?).
It would be real nice if the Op could work with the girl, but its got to be cash in full, PERIOD!

I would search for another insurance agent. How are your rates?

When you compare them with other big box companies, a little on the high side, but actually not too bad. It's nice to have a rep. thats local. Mom in law had Geico, and it took them two weeks just to get the ball rolling on her claim. We did file a claim for a burglary, and everything went like clockwork, with no increase.
Back to the OP; what a darn shame! If that child were mine I would simply pay the OP, Its not that much. I would be pissed, I would make her pay me back, I might be making some new rules, but I would never just throw my kid under the bus for such a small amount. I would also be proud that she came to me, and did the right thing, by not just running. Life gets complicated you get lawyers, cops, the DMV, and insurance involved. Oh well, sorry OP.

 

[Captante]

Originally posted by: Eeezee
You're lucky she didn't just run. You've got to at least give her credit for that. Cut her some slack.

You must report it to the insurance company, but maybe slip her a few bucks for being a good person? I just don't want her to think of fleeing the scene next time since she got screwed for doing the right thing this time. It doesn't feel right. She fucked up and is paying for the consequences, but only because she did the right thing and left you a phone number. It feels strange, don't you agree?

I agree with you .... feels like a slap in the face as a reward for being honest.

I'd try to find a way to cut her some slack.