berad
September 29, 2008, 2:02pm
27
Yes it was actually. And the Taurus was gold.
What are you going to protect yourself from? If his (dude that hit you) insurance company says our driver says it was your fault… then you call your insurance company and tell them the story and tell them to not pay out a claim on his car… then both the companies will settle it out in court if need be.
Before you call your insurance wait to hear from his. If they dont contact you in like 2 days, then call your insurance, tell them what happened but also tell them that you DO NOT want to open a claim under your insurance, you are just calling them to inform them about the situation.
I would just wait and see what they say, if they give you trouble, then call your insurance company.
You could call his insurance company, but when he calls in and reports a claim, they ask him for jph’s information. Then they are required to contact jph for a statement. Some people don’t wait for them to call… which is fine, you can contact them, but they should contact you automatically.
Considering the extent of cosmetic damage here that might be a viable option. From experience, though, any accident of major signifigance should be dealt with by your insurance claims rep. If everyone in the world was honest it might work otherwise but people arent’ sooo…C.Y.A.
I worked for a body shop…I completely agree with him on not calling your insurance comany until need be. And considering where you got hit…I agree again that you need to go to a good body shop!
Even if the guy claimed fault at the accident, he probably called him insur. and said nothing about fault until he was asked after giving all the info. They probably prompted him to have you call yours. Dont give in!!!
Even if they end up paying for it…your still out a deductible. Dont waste your money.
Once again, your input proves worthless.