greeniis10
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Post by greeniis10 on Nov 5, 2014 14:44:47 GMT -5
DS2 (22) has a completely clean driving record and a CDL. He has a 2003 Chevy Silverado and a 2010 Honda Accord and pays $2600.00 /yr. He's looking forward to turning 25 hoping his rates will go down! I believe it's now 30 for unmarried males. Ooooh, noooo.
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gacpa
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Post by gacpa on Nov 5, 2014 16:02:58 GMT -5
Yep, three days have gone by and I have not heard a peep out of the lady whose car my son grazed bumpers with.
I called her house and left a voice mail, no reply was made.
I guess at this point, I will assume she is filing a claim on our insurance.
Stupid question: Will I be notified if a claim is filed on our policy? I have never been through this before so I don't know what will happen.
Another stupid question: Once we pay for the damages, via cash out of pocket or our insurance, are we done with her? Can she pursue us in court for any foreseeable purpose-some sort of small claims court for damages? No injuries were involved, no police were called.
I will be grateful if increased premiums is the only fallout from this situation.
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Deleted
Joined: Oct 11, 2024 2:16:11 GMT -5
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Post by Deleted on Nov 5, 2014 16:07:54 GMT -5
Yep, three days have gone by and I have not heard a peep out of the lady whose car my son grazed bumpers with. I called her house and left a voice mail, no reply was made. I guess at this point, I will assume she is filing a claim on our insurance. Stupid question: Will I be notified if a claim is filed on our policy? I have never been through this before so I don't know what will happen. Another stupid question: Once we pay for the damages, via cash out of pocket or our insurance, are we done with her? Can she pursue us in court for any foreseeable purpose-some sort of small claims court for damages? No injuries were involved, no police were called. I will be grateful if increased premiums is the only fallout from this situation. the insurance company will call you to verify your son was allowed to be driving the car and then get a statement from your son. If she accepts the insurance settlement (vehicle damage, rental, medical) I don't believe she can file an additional claim against you but don't know for sure. but that is why, in a major accident, people say not to sign anything with the insurance company until all of your bills have been processed. If this is the first accident, your rates may not go up. In 2003 I had an at fault accident and my rate didn't go up and I still got the accident free discount.
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gacpa
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Post by gacpa on Nov 5, 2014 16:55:01 GMT -5
Thank you, Singlemoninmd. This is our first accident. I just don't know how the process works. My mother was an insurance agent her entire life, but I am woefully ignorant about these things.
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Baby Fawkes
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Post by Baby Fawkes on Nov 5, 2014 17:30:04 GMT -5
I've only ever been on the receiving end of an accident and always phoned my insurance to get the ball rolling. They said that the first thing that would happen is they would get in contact with the other insurance and they would have to get statements from the other drivers etc.
I would definitely expect that if your insurance is notified you'll get a phone call checking facts and getting statements.
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Artemis Windsong
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Post by Artemis Windsong on Nov 5, 2014 20:31:27 GMT -5
It is very easy for a total car to be blocked by the upright supports by the windshield.
Best wishes to you and your DS going forward with this. He probably feels real bad about it.
I drive a car that has a lot of blind spots so I back out of parking places very slowly. One day while backing, a car zoomed through the lot. I grazed his rear panel leaving black paint and my car had white paint on it. He sped off.
There was a major celebration in town and I suspect he was drinking.
I still worried that I would get a call. Nothing so far.
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8 Bit WWBG
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Post by 8 Bit WWBG on Nov 11, 2014 9:45:45 GMT -5
...:::"I believe it's now 30 for unmarried males.":::...
Damn, that sucks... I called my insurance company ON my 25th birthday and told them they had a gift for me. My annual premium dropped 30% on the spot and I didn't have to make a payment for 2 months. Did the age go up gradually, or did they just decide to collude and gouge another 5 years out of every male driver.
Sorry for the radio silence GACPA... I hope that there isn't any more trouble with this incident.
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Rocky Mtn Saver
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Post by Rocky Mtn Saver on Nov 11, 2014 10:00:29 GMT -5
Meh. Minor damage, sounds like your son kept his head on straight and owned up to his error (no hit and run or trying to deny it was his fault). Understandable to be upset but if he were my kid I'd be proud of how hw handled it as well. A couple of years ago, I was rear-ended by a kid who'd had his license for 4 days. I felt worse for him having his first accident than for me being hit. He did a good job trying to 'man up' and handle the situation although he admitted he had no idea what he was supposed to do at the scene of an accident. I really did want to call his father (whose truck the kid was driving) and ask Dad not to be mad at his kid, cuz he handled himself well.
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alabamagal
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Post by alabamagal on Nov 11, 2014 10:28:39 GMT -5
When my DS had his minor accident (he hit a Jaguar in a parking lot, didn't bother with the cheap cars) he didn't have to do much. He gave his insurance info and had to give a statement to the insurance company, in which he said it was totally his fault. That was it. Damage to his car was less than our deductible and we never got it fixed.
I don't think that his insurance rates went up too much for just a minor accident. His rates are lower than those for our other son who was in an at fault accident that did a bit of damage to the other car.
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JustLurkin
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Post by JustLurkin on Nov 11, 2014 10:50:30 GMT -5
A couple of years ago, I was rear-ended by a kid who'd had his license for 4 days. I felt worse for him having his first accident than for me being hit. He did a good job trying to 'man up' and handle the situation although he admitted he had no idea what he was supposed to do at the scene of an accident. I really did want to call his father (whose truck the kid was driving) and ask Dad not to be mad at his kid, cuz he handled himself well.
I was hit by deer a few days ago...let's just say I've had my license *a tad* longer than 4 days...I still called my dad and asked what I was supposed to be doing! (You're ok, car's ok, deer's not suffering...you're supposed to be driving to work! haha.)
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