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Neighbor SLAMMED into my parked car. $5-$10k damage PICS QUESTION
09-08-2021, 08:37 PM
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#61
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Originally Posted By Weezy32⏩
If she has state minimum insurance you are Sol. Btw do not take your vehicle to where her insurance tells you to go they will trick you and do cheap parts and Shoddy work. Try to take to Ford Dealer Auto body or Maaco they have Lifetime Warranties on their repairs. Any shop that has good reviews and lifetime warranties.I live in a townhouse and my neighbor hit my car and there is extensive damage to it.
She left a note on the car with her phone number and saying sorry and came out when she noticed that I was checking the damage.
I had already called the police but she begged me not to call because she had already called her insurance gave me all the information. I still, let the police come and make a report. She admitted to the police that a cat was crossing the road and she slammed into my car to avoid it...i find the story sketchy but idgaf. The police officer took her statement and did not issue a citation because it happened in the parking.
She has some poverty Gainsco auto insurance i never heard about
I would not worry about this but today i found out that i don't have full coverage on the car when i thought i did. 8 months ago i was shopping for insurance and i remember putting that i want full coverage on my 2015 Mustang GT and liability on the 1998 Dodge 1500 but somehow stupid ass GAICO gave me quote for liability on both which I just accapted without noticing its liability for both.
How likely is it that her insurance will not give me the runaround and try avoid paying for this? I already called them and filed claim but i am afraid that since it was in the parking lot and she did not get a ticket that they may try to avoid paying for tihs.
Any tips ??? Should i look into getting a lawyer? I am freaking out mainly because i just learned that if her insurance doesn't cover it ill have to pay to fix it. PS fuk GAICO gonna be going back to Esurance.
She left a note on the car with her phone number and saying sorry and came out when she noticed that I was checking the damage.
I had already called the police but she begged me not to call because she had already called her insurance gave me all the information. I still, let the police come and make a report. She admitted to the police that a cat was crossing the road and she slammed into my car to avoid it...i find the story sketchy but idgaf. The police officer took her statement and did not issue a citation because it happened in the parking.
She has some poverty Gainsco auto insurance i never heard about
I would not worry about this but today i found out that i don't have full coverage on the car when i thought i did. 8 months ago i was shopping for insurance and i remember putting that i want full coverage on my 2015 Mustang GT and liability on the 1998 Dodge 1500 but somehow stupid ass GAICO gave me quote for liability on both which I just accapted without noticing its liability for both.
How likely is it that her insurance will not give me the runaround and try avoid paying for this? I already called them and filed claim but i am afraid that since it was in the parking lot and she did not get a ticket that they may try to avoid paying for tihs.
Any tips ??? Should i look into getting a lawyer? I am freaking out mainly because i just learned that if her insurance doesn't cover it ill have to pay to fix it. PS fuk GAICO gonna be going back to Esurance.
09-08-2021, 08:39 PM
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#62
Originally Posted By Jestbrah⏩
I totally get this from a police perspective.it is illegal to intentinally smash into someones vehicle
it is illegal to smash into someones vehicle and leave the scene without leaving information
it is not a police matter if on private property two vehicles privately owned get into an accident and parties exchange information.
At that point it is 100% a civil issue and has nothing to do with the police, insurance companies just want to rely on police and that makes police do extra work that is not necessary for them to do and they dont act on behalf of private insurance companies so I could give two flying fukks how easy it makes it for insurance companies, taxpayers pay my salary not insurance companies.
Source, im police.
it is illegal to smash into someones vehicle and leave the scene without leaving information
it is not a police matter if on private property two vehicles privately owned get into an accident and parties exchange information.
At that point it is 100% a civil issue and has nothing to do with the police, insurance companies just want to rely on police and that makes police do extra work that is not necessary for them to do and they dont act on behalf of private insurance companies so I could give two flying fukks how easy it makes it for insurance companies, taxpayers pay my salary not insurance companies.
Source, im police.
But for people actually involved in a car accident on private property they are likely to be better off if they have a police report. The adjusters for the two insurance companies [assuming both drivers are insured and it isn't a no fault state] will probably haggle over comparative liability [most states] and each will attempt to accept a smaller percentage. Many times adjusters will just call it 50/50 to get the claim completed if there is no police report to prove that either party admitted to any fault in the accident [private property]. 50/50 may sound fine, except that it might not reflect the facts and could lead to a raw deal for the driver with a higher $ amount in damage.
Comparative Negligence: A “Partial” Defense
The comparative negligence system allocates fault between the parties. Under the comparative negligence system, adopted by most states, a defendant can raise a partial defense, saying that the plaintiff was partially at fault for the accident too.
Here’s an example of how this works. Say that Dan is making a left turn and hits Ann who is driving over the speed limit through the intersection. Ann sustains injuries and sues Dan for negligence. Under a comparative negligence system, Dan may be found to be 80% at fault for hitting someone while making a left turn and Ann may be found to be 20% at fault because she was speeding. If the total available compensation is $100,000, Ann will receive $80,000 instead of the total amount -- her amount is reduced according to her degree of fault [20%].
Once upon a time I worked in the national subrogation center for a big auto insurer.The comparative negligence system allocates fault between the parties. Under the comparative negligence system, adopted by most states, a defendant can raise a partial defense, saying that the plaintiff was partially at fault for the accident too.
Here’s an example of how this works. Say that Dan is making a left turn and hits Ann who is driving over the speed limit through the intersection. Ann sustains injuries and sues Dan for negligence. Under a comparative negligence system, Dan may be found to be 80% at fault for hitting someone while making a left turn and Ann may be found to be 20% at fault because she was speeding. If the total available compensation is $100,000, Ann will receive $80,000 instead of the total amount -- her amount is reduced according to her degree of fault [20%].
ETA: Not for you to worry about OP since your car was parked. This is most often parking lot accidents where both vehicles are moving.
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09-08-2021, 08:40 PM
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Originally Posted By ChrisLS8⏩
I know right its not like its an exotic 200k car where 10k might be considered chump change but i am sure even a lambo owner would have a bad day if he had to just throw away 10kThose GTs were 30k NEW. lol at acting like it's a Porsche or something
The only reason my car is worth 30k right now is because of the car inflation prices due to pandemic and chip shortage.
It was 37k out the door brand new in 2015 and only reason it was 37k is because it was GT premium with performance package.
Mustangs have gone up in price though similarly spect 2021 GT's go for 45-50k now
PS i do not claim to be rich if i was i would not be living in a townhouse with no garage lol.
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09-08-2021, 08:41 PM
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Originally Posted By Jestbrah⏩
I disagree that it has nothing to do with police. She broke the law..If an insurance company requires it for coverage, you would tell mustang buddy to get bent and hash it out with the kunts at the insurance agency or get a lawyer? He is one of many that pay your salary. Why not give her a failure to maintain control or whatever and be on your way..at least put the fault on her so they can’t try to weasel their way out. Everyone knows how scummy insurance companies can be. Make it easy for mustang bro to have a course of action..he’s an innocent bystander.it is illegal to intentinally smash into someones vehicle
it is illegal to smash into someones vehicle and leave the scene without leaving information
it is not a police matter if on private property two vehicles privately owned get into an accident and parties exchange information.
At that point it is 100% a civil issue and has nothing to do with the police, insurance companies just want to rely on police and that makes police do extra work that is not necessary for them to do and they dont act on behalf of private insurance companies so I could give two flying fukks how easy it makes it for insurance companies, taxpayers pay my salary not insurance companies.
Source, im police.
it is illegal to smash into someones vehicle and leave the scene without leaving information
it is not a police matter if on private property two vehicles privately owned get into an accident and parties exchange information.
At that point it is 100% a civil issue and has nothing to do with the police, insurance companies just want to rely on police and that makes police do extra work that is not necessary for them to do and they dont act on behalf of private insurance companies so I could give two flying fukks how easy it makes it for insurance companies, taxpayers pay my salary not insurance companies.
Source, im police.
09-08-2021, 08:45 PM
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#65
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Originally Posted By bumBizzle⏩
thisMake sure you get that baby to a dealership for OEM parts. I assure you, the insurance company will absolutely try to point you towards an affiliated shop who will use cheap OE parts.
Good luck Op.
Good luck Op.
although I fear that car will never be the same, they never are once theyve been hit
I would be looking at selling it as soon as its fixed
09-08-2021, 08:46 PM
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#66
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Originally Posted By blazenbb⏩
You're winging it bro. You said someone broke the law. The only enforceable traffic law is dui and reckless driving. Neither of which are exemplified here. No one broke the law. No police action can or needs to be taken. Easy doesnt mean anything under criminal application. Its binary. Fuk your feelings.I disagree that it has nothing to do with police. She broke the law..If an insurance company requires it for coverage, you would tell mustang buddy to get bent and hash it out with the kunts at the insurance agency or get a lawyer? He is one of many that pay your salary. Why not give her a failure to maintain control or whatever and be on your way..at least put the fault on her so they can’t try to weasel their way out. Everyone knows how scummy insurance companies can be. Make it easy for mustang bro to have a course of action..he’s an innocent bystander.
Feel free to try to even remotely apply a criminal law to enforce on this. I'd love to keep thumping you.
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09-08-2021, 08:48 PM
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#67
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Originally Posted By memcop⏩
The police actually sort of insisted on coming.Not most. Most states explicitly prohibit private property crash reports unless it's a hit and run/dui. Theres no value in calling but of course check your local state law. I dont care if it's easier for a claimant. It's not a police issue.
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I called the non emergency number and told them that someone hit my car in the parking lot and they said they would send someone out.
When i got out and noticed the note and she came out and asked me not to call the police i called back letting them know that the person that hit my car came out of the house and is saying that police is not necessary and the dispatcher was like i can call it off but if it is extensive damage i recommend you let us do the police report and so i said ok and they came. So glad they came at least she can't claim that it was not her that hit the car anymore becasue she told the police officer she did.
Not saying she would though as she seemed very nice.
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09-08-2021, 08:48 PM
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#68
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Originally Posted By blazenbb⏩
no she did not break the law. Driving a private vehicle on private property and accidentally hitting a vehicle is not breaking a law. There is no road system maintained by any government entity so there is no traffic law on private property so no traffic offense has been committed to break a law. This is literally the equivalent of someone accidentally throwing a baseball over the fence and hitting their neighbors window. That is not a criminal matter, that is not a police matter, that a civil monetary issue.I disagree that it has nothing to do with police. She broke the law..If an insurance company requires it for coverage, you would tell mustang buddy to get bent and hash it out with the kunts at the insurance agency or get a lawyer? He is one of many that pay your salary. Why not give her a failure to maintain control or whatever and be on your way..at least put the fault on her so they can’t try to weasel their way out. Everyone knows how scummy insurance companies can be. Make it easy for mustang bro to have a course of action..he’s an innocent bystander.
The police are not your be all end all for all bad things that happen to you in life. Sometimes you have to put the big boy pants on and deal with situations without the police.
Katya, im sorry but the same response. Just because you feel better about the police doing a report doesnt mean anyone is entitled to it. IF the police say sorry this is a civil issue, because insurance information was exchanged and this was on private property we will not be doing a report. I have said this many times because im not spending 20 minutes of my day doing an accident report so insurance companies can have an easier job. Literally all you are doing by making police take a police report is for them to act as a secretary and collect information to give to an insurance company. We are not paid to be secretaries for insurance companies. It is your job to call the insurance company and give them the information you would have given to police.
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09-08-2021, 08:50 PM
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#69
09-08-2021, 08:53 PM
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#70
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Originally Posted By Weezy32⏩
if its not worth that much to you, then this shouldnt matter. but it does, doesnt it?I know right its not like its an exotic 200k car where 10k might be considered chump change but i am sure even a lambo owner would have a bad day if he had to just throw away 10k
The only reason my car is worth 30k right now is because of the car inflation prices due to pandemic and chip shortage.
It was 37k out the door brand new in 2015 and only reason it was 37k is because it was GT premium with performance package.
Mustangs have gone up in price though similarly spect 2021 GT's go for 45-50k now
The only reason my car is worth 30k right now is because of the car inflation prices due to pandemic and chip shortage.
It was 37k out the door brand new in 2015 and only reason it was 37k is because it was GT premium with performance package.
Mustangs have gone up in price though similarly spect 2021 GT's go for 45-50k now
09-08-2021, 08:54 PM
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#71
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Some tradie hit my car and did more than 2k damage in a lot. Got photos of his insurance, and dl.
Instead of dealing with insurance companies I just visited the police station and got a policewoman to call him up.
Edit: about parking lots, my dad always told me 50/50
Instead of dealing with insurance companies I just visited the police station and got a policewoman to call him up.
Edit: about parking lots, my dad always told me 50/50
09-08-2021, 08:55 PM
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#72
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Needs:
New bumper cover
Grille
Headlight
Foglight
Radiator
(Maybe front shutter)
Maybe some other small ****.
American parts are cheap Af
Just use this to upgrade the bumper to the GT or whatever nicer one there is.
New bumper cover
Grille
Headlight
Foglight
Radiator
(Maybe front shutter)
Maybe some other small ****.
American parts are cheap Af
Just use this to upgrade the bumper to the GT or whatever nicer one there is.
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09-08-2021, 08:57 PM
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#73
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Originally Posted By Jestbrah⏩
Not even failure to maintain control of your vehicle?no she did not break the law. Driving a private vehicle on private property and accidentally hitting a vehicle is not breaking a law. There is no road system maintained by any government entity so there is no traffic law on private property so no traffic offense has been committed to break a law.
09-08-2021, 08:58 PM
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#74
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The Bodyshop guys would hit the lottery with you since you know nothing about cars
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09-08-2021, 09:00 PM
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#75
09-08-2021, 09:00 PM
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#76
Originally Posted By Jestbrah⏩
I'm not mad. I understand that accident reports aren't a top priority. I've never called in for one myself, though I've been rear ended a few times. IIRC some cities are even delegating it to some type of unarmed civil servant.no she did not break the law. Driving a private vehicle on private property and accidentally hitting a vehicle is not breaking a law. There is no road system maintained by any government entity so there is no traffic law on private property so no traffic offense has been committed to break a law. This is literally the equivalent of someone accidentally throwing a baseball over the fence and hitting their neighbors window. That is not a criminal matter, that is not a police matter, that a civil monetary issue.
The police are not your be all end all for all bad things that happen to you in life. Sometimes you have to put the big boy pants on and deal with situations without the police.
Katya, im sorry but the same response. Just because you feel better about the police doing a report doesnt mean anyone is entitled to it.IF the police say sorry this is a civil issue, because insurance information was exchanged and this was on private property we will not be doing a report. I have said this many times because im not spending 20 minutes of my day doing an accident report so insurance companies can have an easier job. Literally all you are doing by making police take a police report is for them to act as a secretary and collect information to give to an insurance company. We are not paid to be secretaries for insurance companies. It is your job to call the insurance company and give them the information you would have given to police.
The police are not your be all end all for all bad things that happen to you in life. Sometimes you have to put the big boy pants on and deal with situations without the police.
Katya, im sorry but the same response. Just because you feel better about the police doing a report doesnt mean anyone is entitled to it.IF the police say sorry this is a civil issue, because insurance information was exchanged and this was on private property we will not be doing a report. I have said this many times because im not spending 20 minutes of my day doing an accident report so insurance companies can have an easier job. Literally all you are doing by making police take a police report is for them to act as a secretary and collect information to give to an insurance company. We are not paid to be secretaries for insurance companies. It is your job to call the insurance company and give them the information you would have given to police.
Just stating for other miscers thatifyou can get a police report it would probably be in your best interest. Unless you're the idiot that was swerving to miss a cat.
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09-08-2021, 09:01 PM
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#77
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Originally Posted By davik⏩
Not sure what you are getting at i never claimed i was rich or that 10k is not a big deal to me. I clearly said i was shopping for insurance to try and save money which resulted in me unintentionally getting liability on this vehicle. I also said was living in a townhouse with no garage that does not imply someone who would shurg at losing 10k.if its not worth that much to you, then this shouldnt matter. but it does, doesnt it?
Its just that i like mustang's this is the third onw i have owned.
Originally Posted By KingSWRV⏩
Actually i live in Marietta GA which is one of the nicer areas in Georgia...atleast for now.I would say before you buy a nicer car like that save up and move up out of the ghetto first...
But yah maybe after i deal with this i can finally afford a Nisan Sentra and start working for Door Dash and Uber like you...
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09-08-2021, 09:01 PM
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#78
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Originally Posted By Nonsense916⏩
That's why in the US you need to have a trusted doctor, lawyer and mechanicThe Bodyshop guys would hit the lottery with you since you know nothing about cars
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09-08-2021, 09:04 PM
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Insurance company is GAINSCO
GG op you trolled us all
Negged
GG op you trolled us all
Negged
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09-08-2021, 09:06 PM
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#80
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Originally Posted By Weezy32⏩
you have no idea how ridiculous you sound here. if i bought a 50k car aud, i wouldnt give a **** about saving $300 a year on insurance holy ****Not sure what you are getting at i never claimed i was rich or that 10k is not a big deal to me. I clearly said i was shopping for insurance to try and save money
09-08-2021, 09:08 PM
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#81
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Originally Posted By Weezy32⏩
Kingswr mogged hard here.Not sure what you are getting at i never claimed i was rich or that 10k is not a big deal to me. I clearly said i was shopping for insurance to try and save money which resulted in me unintentionally getting liability on this vehicle. I also said was living in a townhouse with no garage that does not imply someone who would shurg at losing 10k.
Its just that i like mustang's this is the third onw i have owned.
Actually i live in Marietta GA which is one of the nicer areas in Georgia...atleast for now.
But yah maybe after i deal with this i can finally afford a Nisan Sentra and start working for Door Dash and Uber like you...
Its just that i like mustang's this is the third onw i have owned.
Actually i live in Marietta GA which is one of the nicer areas in Georgia...atleast for now.
But yah maybe after i deal with this i can finally afford a Nisan Sentra and start working for Door Dash and Uber like you...
In for rebuttal
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09-08-2021, 09:42 PM
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#82
09-08-2021, 09:48 PM
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#83
09-08-2021, 09:54 PM
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#84
09-08-2021, 10:09 PM
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#85
jfc, why does misc always invent the WORST CASE SCENARIO for every little thing.
Her insurance will probably assess and pay out OP. Just make sure the parts are solid.
Her insurance will probably assess and pay out OP. Just make sure the parts are solid.
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09-08-2021, 10:16 PM
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Originally Posted By Weezy32⏩
They're probably going to do everything in their power to not pay out. If at any point they offer resistance or go NC, just see a lawyer and let them deal with it.How likely is it that her insurance will not give me the runaround and try avoid paying for this? I already called them and filed claim but i am afraid that since it was in the parking lot and she did not get a ticket that they may try to avoid paying for tihs.
Any tips ??? Should i look into getting a lawyer? I am freaking out mainly because i just learned that if her insurance doesn't cover it ill have to pay to fix it. PS fuk GAICO gonna be going back to Esurance.
Any tips ??? Should i look into getting a lawyer? I am freaking out mainly because i just learned that if her insurance doesn't cover it ill have to pay to fix it. PS fuk GAICO gonna be going back to Esurance.
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09-08-2021, 10:20 PM
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#87
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sucks mane op
i agree this isn't a police issue, it's on private property, nobody got injured, all it is is filing paper work and reporting it to insurance
i agree this isn't a police issue, it's on private property, nobody got injured, all it is is filing paper work and reporting it to insurance
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09-08-2021, 11:09 PM
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#88
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Looks like a total to me, a lot of work to get that front end fixed, I had a similar accident years ago. This is EXACTLY the reason why, if you have a nice-ish front-engined car, do NOT park with your front end facing traffic. If OP hadn't ego parked he would have had fairly minor rear bumper damage, maybe $2k and he'd be on his way. Instead it's a near total.
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09-11-2021, 06:41 PM
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#89
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good move on filing police report as she could always change her story to insurance and it will screw you later.
as long as she admits its her fault, her insurance should cover most of it.
if you dont have rental coverage you might not have this car for a while as due to pandemic, body work and car repairs are taking very long due to difficulty in finding parts, in your case it looks like under the hood damage also as some liquid is leaking.
as long as she admits its her fault, her insurance should cover most of it.
if you dont have rental coverage you might not have this car for a while as due to pandemic, body work and car repairs are taking very long due to difficulty in finding parts, in your case it looks like under the hood damage also as some liquid is leaking.
F*ck Joe Biden
"Your problem is you spent your whole life thinking there are rules. There aren't. We used to be gorillas. All we had is what we could take and defend." - Lorne Malvo
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Chef Crew | NYC Crew | Knee Draggers Crew | Wristwatch Crew
09-11-2021, 06:59 PM
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#90
- eternalnoob
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- eternalnoob
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Originally Posted By LethalGunz34⏩
This. You were smart to get the cops involved because now she's on record saying she swerved to avoid a cat. 100% her fault.“Wooops…”
I’m trying to figure out how she hit it. That’s a lot of damage.
As long as she says that it’s her fault then her insurance should cover all the costs.
I’m trying to figure out how she hit it. That’s a lot of damage.
As long as she says that it’s her fault then her insurance should cover all the costs.
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