The other day I was with my friend and I was driving his parent's truck. He drives it a lot but he doesn't like driving so he lets me drive it. We were leaving the bank and I was backing up and I hit another guys truck. It made a dent about the size of a quarter on the other guys truck, but no damage to my friends truck. The guy who I hit was parked in a no parking zone, but claimed he wasn't "parked" because he was just running to the ATM real fast. I spoke with my insurance and they said it has nothing to do with us. The guy said something along the lines of "this is a private matter, so there's no need to call the cops." I think he said that because he knew he was in a no parking zone, so he would take some of the blame there. I am 99% sure he has insurance. He calls me today telling me he got estimates to fix the dent and it's going to be just under $600. I am trying to avoid raising my friends insurance. What should I do in this situation? I am thinking of just telling the guy since he was too dumb to call the police that I'm not going to pay since there is no proof. The only proof he could possibly have is to get footage from the bank cameras in which it would show him parked in the no parking zone. Can he make an insurance claim against my friend if he doesn't even have proof?[/font]
What Should Happen Here?
- Thread starter wenlim09
- Start date
- 483
Split it with him and move on with your life.....
You hit the guy, there was no damage to your buddy's truck.....
Why try to weasel out of ANY pain at all....YOU DID HIT THE GUY, RIGHT?
Tell him you'll give him 3 bills and that's it cause he was parked where he shouldn't of been and the bank's camera shows it CLEARLY.......See if that works
*Btw the if I was the other guy I'd see it differently...meaning whether I'm parked where I should be or not doesn't give you the OK to hit my vehicle....that's a matter of knowing how to drive and NOT hit chit, period. By that logic, if my KID was standing there you MAY have hit him to and blamed it on the kid because he was in a no parking zone.
The 'no parking' zone thing may work on this guy but I'd tell you to go pound sand if it were me but this guy MAY feel some responsibility and split it with you.
You hit the guy, there was no damage to your buddy's truck.....
Why try to weasel out of ANY pain at all....YOU DID HIT THE GUY, RIGHT?
Tell him you'll give him 3 bills and that's it cause he was parked where he shouldn't of been and the bank's camera shows it CLEARLY.......See if that works
*Btw the if I was the other guy I'd see it differently...meaning whether I'm parked where I should be or not doesn't give you the OK to hit my vehicle....that's a matter of knowing how to drive and NOT hit chit, period. By that logic, if my KID was standing there you MAY have hit him to and blamed it on the kid because he was in a no parking zone.
The 'no parking' zone thing may work on this guy but I'd tell you to go pound sand if it were me but this guy MAY feel some responsibility and split it with you.
- 15,041
A parked car is a parked car. This may vary from state to state, but in Tennessee that is 100% your fault. It was your obligation not to hit a parked vehicle.
He messed up by not reporting it then. He can go after you and your friend's insurance, but it will be more difficult to prove now.
He messed up by not reporting it then. He can go after you and your friend's insurance, but it will be more difficult to prove now.
I'm not sure what state you are in, so I'll give a California answer. This answer is applicable to almost every state though.....
For liability determination, it doesn't matter if he was parked illegally. Truth is, he wasn't moving, he didn't cause the accident. He would be determined 0% at fault for this in a liability determination by an insurance company.
Filing the claim with your friends insurance company (who is the company that will pay for this) will not affect his insurance rates, it will affect yours. Accidents are rated to drivers, not vehicles. So, if you have an at fault accident in someone elses car, you get rated for it.
This part of the answer might change depending on where you are, but a $600 accident is well below the threshold of a chargable accident. Have the insurance company pay for it, but have your buddy check with his agent on this first.
Don't try to negotiate away your responsibility. You hit him, he was not moving, it was a minor 'oops', deal with it. Nobody got hurt, the car can be fixed.
Dan
For liability determination, it doesn't matter if he was parked illegally. Truth is, he wasn't moving, he didn't cause the accident. He would be determined 0% at fault for this in a liability determination by an insurance company.
Filing the claim with your friends insurance company (who is the company that will pay for this) will not affect his insurance rates, it will affect yours. Accidents are rated to drivers, not vehicles. So, if you have an at fault accident in someone elses car, you get rated for it.
This part of the answer might change depending on where you are, but a $600 accident is well below the threshold of a chargable accident. Have the insurance company pay for it, but have your buddy check with his agent on this first.
Don't try to negotiate away your responsibility. You hit him, he was not moving, it was a minor 'oops', deal with it. Nobody got hurt, the car can be fixed.
Dan
- 4,132
Actually I think you should either pay for the repairs out of pocket or file with your insurance company. If your friend files with his and he wasn't the driver, they may depending on the coverage deny the claim or pay the claim and come after you.
AND threatening the guy with being parked in a NPZ? really? That's the same ticket as a $600 repair? Even if he was ticketed it's maybe $50. It's not like he was robbing the bank and you hit his get away car. Pay the cost or file the claim. Don't attempt any of the shenanigans you already have or are considering. It will only lead to trouble for you of the legal kind. smarten up buckwheat.
And I'm really not buying you spoke to your insurance company and they told you it's not a problem or not their problem.
AND threatening the guy with being parked in a NPZ? really? That's the same ticket as a $600 repair? Even if he was ticketed it's maybe $50. It's not like he was robbing the bank and you hit his get away car. Pay the cost or file the claim. Don't attempt any of the shenanigans you already have or are considering. It will only lead to trouble for you of the legal kind. smarten up buckwheat.
And I'm really not buying you spoke to your insurance company and they told you it's not a problem or not their problem.
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- 483
And I'm really not buying you spoke to your insurance company and they told you it's not a problem or not their problem.[/quote]
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I agree...I didn't catch that at first.
IF you indeed told YOUR INSURANCE company that you were driving and YOU HIT someone's car.......it is hard to believe they said
'it's NOT their issue' because THAT'S what you pay them to do.... insure you as a driver.
And you were driving, that is exactly WHY you pay for insurance, it'd be mind-boggling for them NOT to inform you of that.
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I agree...I didn't catch that at first.
IF you indeed told YOUR INSURANCE company that you were driving and YOU HIT someone's car.......it is hard to believe they said
'it's NOT their issue' because THAT'S what you pay them to do.... insure you as a driver.
And you were driving, that is exactly WHY you pay for insurance, it'd be mind-boggling for them NOT to inform you of that.
LGilmore & Gemini
This situation comes up a lot, a friend is driving your car, they have a fender bender, question becomes whose insurance pays....
There is a set procedure for this. In California, it is the insurance on the vehicle that caused the accident that pays first. How this gets rated as an at fault accident is different from who pays though. The rating follows the driver, not the car.
There are situations where this gets far more complex, but this is pretty cut and dry.
So, in this case, the drivers insurance company really doesn't have anything to do with it, except for raising the drivers rates, eventually.
Dan
This situation comes up a lot, a friend is driving your car, they have a fender bender, question becomes whose insurance pays....
There is a set procedure for this. In California, it is the insurance on the vehicle that caused the accident that pays first. How this gets rated as an at fault accident is different from who pays though. The rating follows the driver, not the car.
There are situations where this gets far more complex, but this is pretty cut and dry.
So, in this case, the drivers insurance company really doesn't have anything to do with it, except for raising the drivers rates, eventually.
Dan
- 483
Just to make sure, Dan
You're saying the reason your auto rates up after an accident isn't the damage pay out or 'loss' but because the DRIVER is now in a different 'risk class'...therefore as a higher risk his/her rates are bumped........I'm I stating that, correctly?
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