TheHaitian
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Post by TheHaitian on Jul 7, 2019 5:02:45 GMT -5
Late last night / early this morning I was victim of a hit and run. I was at an intersection waiting to turn left (signal on) when I was hit.
I got out of the car and he got out too, I could smell the alcohol and weed when I asked him if he was ok.
He tried to distract me from taking pictures by saying that I could move my car to the side of the road to exchange info, I told him he could first.
I could see he was watching my every move and since he did not have a tag in the front something told me to go to the back of his car to take a picture of his tag in the back, you know that gut feeling.
And yep as I turn to the back to take a picture of his tag he jumps in the car and speed away, dragging his front bumper in the middle of the street. I was lucky to take 1 picture, a good one of the back of his car and tag.
Called the police. The officer took my information down and had me send her the pictures I had.
I am thinking insurance for him SOL, assuming here. Maybe not his car or something ... officer said report should be available within 24-48 hours. I have not contacted my insurance yet, will do that later today.
Some shoulder blade and neck pain besides that ok and the car is drivable, drove it home.
What to expect? It is a 2018 VW Touareg It is a lease... not holding high hopes on the guy insurance for some reason (gut feeling? ) .
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lund
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Post by lund on Jul 7, 2019 6:23:40 GMT -5
Glad that you are fairly OK!!
Talk to your insurance.
Check your paperwork to see what insurance you do have (uninsured driver?).
Consider going to the doctor to get your pain documented. (They may have some movements they want you to do, in order to catch any nerve damage. For instance, they may want you to stand with your arms stretched out sideways horizontally and tilt your head, checking that your hands feel normal.) Due to the physical nature of parts of your job, consider if getting a doctor's sick note for some days would be good.
Added: Ask the doctor if you should take any Tylenol or other painkiller before coming in for examination. It may be good not to.
Take photos of what you are looking like daily for the next few days. Marks often don't show well until after a few days, hence the repeat. Documented black marks (for instance after the belt or airbag) give credibility to you being injured. If there are any other problems (such as difficulties to fully stretch out a limb), take photos/film of how far you can manage. If there are garment with blood splatters (nose bleed?), photo them before washing them.
And I hope that you got a photo of the driver's face too.
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Miss Tequila
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Post by Miss Tequila on Jul 7, 2019 6:54:56 GMT -5
My daughter was the victim of a hit and run last year. The car was about 2 months old. She tried to call 911 but the guy told her he would hurt her if she did. He then jumped in the car and fled.
Like you she got his license plate number. Car wasn’t his and there was no insurance on it. It took a few weeks but cops tracked him down. There were outstanding warrants against him.
We had to pay the $1k deductible. He is now in court but there is a $1k restitution ordered by the judge. Considering they type of guy this is (the mother gave the car to her daughter and her daughter lent it to this guy but only knew his “street name”...productive members of society don’t have street names!), daughter will never see a penny
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geenamercile
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Post by geenamercile on Jul 7, 2019 7:23:28 GMT -5
When it happene us in May we were asleep. Apparently the other car didn't make it very far and the cops back tracked enough to see what it was he hit. We were lucky the police report had all the information. And while the driver of the car was not the owner of the car. The owners insurance coverede everything
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Deleted
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Post by Deleted on Jul 7, 2019 8:06:54 GMT -5
Similar scenario. DH was waiting at a redlight when someone hit him. The person got out of the car to see if he was ok. DH asked that the paramedics be called. The person jumped in her car and left. What kind of person leaves an old man who thinks he is having a heart attack?
Our insurance company handled it. What seems unfair, though, is that you pay for uninsured motorist, but you still get dinged. We lost our accident-free discount, which is a backhanded way of raising your rate for an accident that you couldn't prevent. Three years later we are still paying the higher rate.
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raeoflyte
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Post by raeoflyte on Jul 7, 2019 9:31:32 GMT -5
My daughter was the victim of a hit and run last year. The car was about 2 months old. She tried to call 911 but the guy told her he would hurt her if she did. He then jumped in the car and fled. Like you she got his license plate number. Car wasn’t his and there was no insurance on it. It took a few weeks but cops tracked him down. There were outstanding warrants against him. We had to pay the $1k deductible. He is now in court but there is a $1k restitution ordered by the judge. Considering they type of guy this is (the mother gave the car to her daughter and her daughter lent it to this guy but only knew his “street name”...productive members of society don’t have street names!), daughter will never see a penny How scary! I'm glad he left and she was ok.
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Tiny
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Post by Tiny on Jul 7, 2019 9:54:32 GMT -5
A coworker recounted a story about a hit and run (he was stopped at a stop light and got rear ended) some damage to his car's bumper (and tail light) and he was ok (but a bit shaken). He and the other driver got out, spoke, when the other driver went back to his car to get insurance info - he drove away. Coworker got picture of the other car and plate. The other car also had visible damage to the front bumper/headlight. Coworker called the police and his insurance. He had an accident report. The police weren't too interested in the photo. The insurance wasn't too interested in it either. Co-worker said his insurance covered the accident - I think he said he only had to pay his deductible. He never found out what happened to the other car/driver. He survived the stress, inconvenience, and time spent.
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geenamercile
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Post by geenamercile on Jul 7, 2019 11:40:48 GMT -5
If the other person has insurance go through their insurance. We didn't have to pay a deductible or anything.
ETA- I did tell my insurance about it, they offered to file the claim with the other insurance on my behalf. I still wouldn't have had a deductible but they did say it would take a longer since it would have to from the other insurance to mine to me vs other insurance to me.
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NancysSummerSip
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Post by NancysSummerSip on Jul 7, 2019 12:25:32 GMT -5
First off, I am happy to hear you are OK. Get a doctor to document your injuries. What does not feel bad now may feel worse later. Definitely report it to your insurer and let them file with the other company, assuming the other driver has insurance. If he doesn't, the person who owns the vehicle could be held liable, even if they were not driving.
I hope the police get this moron off the streets. Probably not the first time he's done this. His car or not, he is still responsible. Whether he borrowed, leased or stole it, he is still at fault for leaving the scene of the accident with injuries He could have left the scene for other reasons, like drugs or alcohol in the vehicle and/or in his system, stolen merchandise in the vehicle, etc. Not to mention no insurance or license. So he is likely in a world of trouble. Leaving the scene just adds to whatever trouble he's in.
I've been hit and run twice; once in my truck and once on my bike. The guy who hit me while I was on my bike left me for dead on the side of the road. Did not even stop to make sure I could get up. I hope his ass rots in hell. Accidents happen, but people compound the situation by leaving without considering others have no conscience and deserve whatever the justice system throws at them.
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busymom
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Post by busymom on Jul 7, 2019 13:42:25 GMT -5
DH got hit by a "hit & run" driver many years back. Fortunately, a coworker saw the whole thing. (DH didn't see it happen, as he was at work, & his car was parked in the lot, where it was hit.) His insurance company sued the owner of the car (DH really didn't have to do anything), and about a year after it happened, we suddenly got a check in the mail for the deductible, refunded from OUR insurance company. So, we assumed the insurance company collected. Definitely get your injuries checked out. I believe that is covered by YOUR insurance. (We need to get one of our insurance people on the boards here to chime in on this...)
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TheHaitian
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Post by TheHaitian on Jul 7, 2019 18:23:21 GMT -5
I am so fucking aggravated right now!!!
I got a call from someone at the police station and they provided me with the info on the car, insurance company and policy #.
As they were about to hang up I said: that is it? He gets away with fleeing ?
He proceeded to tell me how to him he felt like it was just an insurance claim, that I came out of my car and he came out and we had a conversation then he left.
WTF? What freaking conversation? We did not exchange information... the only way I am getting his information is because I was lucky enough to get his tag #.
To him me saying : are you ok? And him answering yes constitute a freaking conversation and he is pretty sure once he talks to the guy the guy will give a different story.
Guess what! The guy is the one that fucking fled the scene but I am the one being questioned right now like I am at fault because you don’t want to bother making it a criminal case.
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geenamercile
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Post by geenamercile on Jul 7, 2019 18:28:22 GMT -5
I would call his insurance asap and make sure it is a active
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justme
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Post by justme on Jul 7, 2019 18:31:50 GMT -5
Cops seem to be very disinclined to actually assign blame unless they see it. In a 3 car accident the cop couldn't determine which of two cars caused it, but said I definitely wasn't at fault, corroborated by both drivers as they said the other was at fault but not me.
Fast forward to neither of their insurance taking responsibility - and the arbitrator refused to make either of the other 2 at fault either which left my insurance holding the bag for the cost. And if I wanted to get the deductible back I'd have to individually peruse the other drivers.
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TheHaitian
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Post by TheHaitian on Jul 7, 2019 19:01:43 GMT -5
So I call State Farm with the information I have on hand and guess what? They don’t have such policy... I may be missing a # or something.
Call back the police station, the person I talked to already left for the day so now the person at the front desk after I provide them with the case number logs in there trying to find it.
The number on file is the same number the guy provided me, the # State Farm said does not work.
So I give him the license plate # since I am guessing that is how they pulled the info before and he would call back if he gets new info...
Now I wait!
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busymom
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Post by busymom on Jul 7, 2019 19:07:54 GMT -5
I'm guessing the guy gave the police bogus information. Shall we take a bet on if this guy has any insurance at all?
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Deleted
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Post by Deleted on Jul 7, 2019 19:16:28 GMT -5
I'm guessing the guy gave the police bogus information. Shall we take a bet on if this guy has any insurance at all? In Alabama you have to show proof of insurance when you renew your tag. If you do it online, you provide the policy number. I sort of doubt that they check whether it is accurate. So I agree. State Farm should be able to look him up by the name and make of car that he was driving if they couldn't pull him up by policy number. In fact, my insurance company always pulls me up by name when I call. I generally don't have policy numbers handy because I have to keep the insurance card in the car as proof of insurance. TheHaitian, your insurance is probably going to have to pay, but I would be asking how I turn him in as an uninsured motorist and get him off the streets. That's a lot easier for them to prove than who did what in a traffic accident. It is at least "some" form of satisfaction. He probably won't actually get off the streeets, but there might be a warrant if he gets stopped for something.
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TheHaitian
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Post by TheHaitian on Jul 7, 2019 19:34:36 GMT -5
All the officer gave me was the last name and that was not enough for State Farm because they had a lot of people with that last name.
They wanted to know if I had a first name or a phone #, nope the officer did not provide me with that.
They could not pull it using the license plate. So I will have to call the officer tomorrow and also see if I can get in to see my doctor.
Back been hurting and pharmacist suggested ALEVE. The thing on it said good for 12 hours, pain was back in 4.
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Pants
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Post by Pants on Jul 7, 2019 20:24:35 GMT -5
Go. To. The. Doctor.
Give the the information you have to,your insurance company and let them deal with it.
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happyhoix
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Post by happyhoix on Jul 7, 2019 20:44:02 GMT -5
All the officer gave me was the last name and that was not enough for State Farm because they had a lot of people with that last name. They wanted to know if I had a first name or a phone #, nope the officer did not provide me with that. They could not pull it using the license plate. So I will have to call the officer tomorrow and also see if I can get in to see my doctor. Back been hurting and pharmacist suggested ALEVE. The thing on it said good for 12 hours, pain was back in 4. Very sorry you're having to deal with this and that you're having back problems.
I agree with the previous poster - forward all this information to your insurance carrier. It's in their best interest to figure out if that guy had insurance or not - if he does, they'll make him cover it.
Hopefully, he did have insurance and just fled the scene so he could avoid getting arrested for a DUI. I had a co-worker years ago whose husband kept drinking and driving and had a series of accidents within 2 years - in one of them, he hit a car load of teenagers and fled, getting his wife (my co-worker) to help him hide his car, so he could wait to turn himself in when he was sober.
Wasn't a big fan of that co-worker to start with, but after that, I really disliked her. I was just happy the poor teenagers were all right (although their car was trashed).
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geenamercile
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Post by geenamercile on Jul 7, 2019 21:59:49 GMT -5
Get a full copy of thr report. The officer I first talked to gave me the wrong insurance company name. But the report had all the information. Hope this guy does have insurance.
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shanendoah
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Post by shanendoah on Jul 8, 2019 9:38:54 GMT -5
TheHaitian - Stop calling State Farm yourself. Stop it. Call YOUR insurance company. Give them all the information you have. They will go after that other guy/his insurance. They have a lot more time and resources to dedicate to this than you do.
We've had a few accidents. I have always filed my claim with my insurance company, and when the other person was at fault, my insurance company has always been the one to deal with them. I haven't had to do more than sign a few papers and, in one case, collect a check for pain and suffering.
I did have one case where the police officer wrote me a ticket. I was pretty certain the other driver had run a red light to hit me and was speeding. The accident totaled both cars involved (though no one was seriously injured). I asked the police officer if he had talked to any of the witnesses (busy intersection, and multiple people stayed to talk to the police), and the police officer told me it wasn't his job to assign fault. That was for the insurance companies to handle. At which point I was like "then why did I get a ticket"?
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shanendoah
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Post by shanendoah on Jul 8, 2019 9:44:58 GMT -5
I should add, go see your doctor, on your health insurance. Give them the information about the car accident and that you have partial information from the other guy's insurance. You see, ALL insurance companies have a department called OPL - Other Party Liability. This is a department dedicated to getting back money that someone else is responsible for. You have your insurance. USE IT. And then let the insurance companies fight with each other. Again, the insurance companies have time and resources already dedicated to this sort of incident. You pay for those resources. USE THEM.
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TheHaitian
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Post by TheHaitian on Jul 8, 2019 10:38:25 GMT -5
This get better and better...
I have a 12:30 appointment with my doctor that I am getting ready for now, still in pain...
Also got a call from what I would say is an ambulance chaser. She wanted to send her paralegal to see the damages to my car and have her paralegal set up an appointment for me to start physical therapy. I was like: let me go see my dr first thank you.
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TheHaitian
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Post by TheHaitian on Jul 8, 2019 10:47:08 GMT -5
I called back the officer this morning and the policy # I have is the one they gave him: so I am thinking they lied to him.
So he gave me the name of the person but said he could not give me her #. He suggested my best bet is to let my insurance company handle it and also file a civil claim.
He is having a hard time with the criminal case because since the person came out , there was avconversation, the justice department is going to toss it and not Move forward.
But he gave me the only information he could, he said he could not share more than that: - the driver was a teenager - his license did not authorize him or permit him to be driving at that time (maybe why he flee) because the cops would have arrested him once they got there. - he spoke with the gentleman and he said he got scared - his mom stated she did give him permission to drive the car🤬🤬🤬
So my best bet would be insurance claim than civil case, to come pick up the police report (it is ready) and give it to my own insurance company.
Guess I will pay the $500 deductible and watch my insurance date go
As them, they gave him a warning ... yep that is it. A warning!!!
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Deleted
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Post by Deleted on Jul 8, 2019 10:57:54 GMT -5
So, do they have insurance or not? I guess I'm not understanding why you feel you're going to be responsible for the deductible. I'd just turn it over to my insurance with all the info and have them go after the other car owner.
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TheHaitian
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Post by TheHaitian on Jul 8, 2019 11:08:03 GMT -5
So, do they have insurance or not? I guess I'm not understanding why you feel you're going to be responsible for the deductible. I'd just turn it over to my insurance with all the info and have them go after the other car owner. Because my insurance company said so... they off course they will try to recuperate it got me when they go after the other company but I will be charge the $500 deductible once I file the claim through them.
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shanendoah
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Post by shanendoah on Jul 8, 2019 12:04:53 GMT -5
TheHaitian - Pay your deductible for now. Your insurance company will recoup it. It may take a little bit of time, but trust me, it will take them less time than it will take you. Again, they have entire legal departments built for exactly these cases. And now you know, you're not going after the kid/driver. You're going after his parents (and their insurance). It is much more likely that if you do have to file a civil suit that you will be able to get the $500 back from the parents than from the kid.
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Post by The Walk of the Penguin Mich on Jul 8, 2019 13:02:39 GMT -5
So, do they have insurance or not? I guess I'm not understanding why you feel you're going to be responsible for the deductible. I'd just turn it over to my insurance with all the info and have them go after the other car owner. If you file through your own insurance in this case, you pay your deductible and your insurance company can recoup your costs. If they do not do so, you can take the person to small claims court for your deductible. I ran into this when I was hit by an uninsured driver. The driver gave the police a valid insurance card, which they provided to me. When I attempted to file against their insurance company, I was told that their insurance had lapsed a few days earlier and I was SOL. When I took it to my insurance company, I was told of my options and they were laid out to me. In KY, uninsured motorist (at the time) only includes medical damage, not personal damage to your vehicle. My deductible was $500, so I wound up eating this. At the time, I was going to school full time and working full time. I did not have time to deal with this. Also, the police had absolutely no interest in charging the other person with driving without insurance. Like with Carl, she didn't even get her hand slapped for doing an illegal U turn and driving into my car in the middle of the road.
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TheHaitian
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Post by TheHaitian on Jul 8, 2019 13:14:02 GMT -5
Also, the police had absolutely no interest in charging the other person with driving without insurance. Like with Carl, she didn't even get her hand slapped for doing an illegal U turn and driving into my car in the middle of the road. And that is my biggest issue with all this, it is like the kid ya getting rewarded for fleeing the scene. Stay put: you get arrested Flee: you get a warning. What do you think he will pick as an option next time?
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Deleted
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Post by Deleted on Jul 8, 2019 13:22:07 GMT -5
Also, the police had absolutely no interest in charging the other person with driving without insurance. Like with Carl, she didn't even get her hand slapped for doing an illegal U turn and driving into my car in the middle of the road. And that is my biggest issue with all this, it is like the kid ya getting rewarded for fleeing the scene. Stay put: you get arrested Flee: you get a warning. What do you think he will pick as an option next time? Why would he have been arrested for NOT fleeing the scene? We have provisional licenses in our state too, but it's not a criminal offense if you break the rules. It gets noted on your record, but there has to be several before they actually pull the license until 18.
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