So recently I got into a fender bender and I'm not too sure what to do. We didn't call the police and I haven't reported it to the insurance company. I am pretty confused in what to do. It was my fault due to icy conditions. He did get a quote already for $1,200 - $1,500. I asked him to try and find another quote in hope it will be cheaper. Also I'm stressing out about this really bad because I'm pretty poor. And is paying for the repairs worth it not to get the insurance companies involved?

Thanks Ice

TheGiftedApe

United States1243 Posts

November 18 2011 00:30 GMT

well its pretty simple imo, Pay 1,500 now, or pay 1,500 down the road in insurance costs. However if your already paying for insurance mine as well have them pay for it.

English

United States475 Posts

November 18 2011 00:33 GMT

Not sure if it's the same in Canada, but in the U.S. it's illegal not to report the accident. If you're poor like you said, you probably don't have an extra 1,500 lying around. Might be easier to just let the insurance handle it, perhaps the icy conditions will play a factor.

LovE-

United States1963 Posts

November 18 2011 00:35 GMT

Just report it to your insurance company...

Torenhire

United States11681 Posts

November 18 2011 00:52 GMT

Yeah, just report it. That's the whole point of insurance, dude.

VersesVersus

Canada25 Posts

November 18 2011 00:57 GMT

Gotta love Canada eh Ice? Huge dump of snow in Edmonton today, anyways in response to the OP, like the last few posters above me said report it to insurance, I would be more helpful if I had a similar experience but I don't drive!

ggggbabybabybaby

Canada304 Posts

November 18 2011 01:01 GMT

Ohhhh the irony in your name....but yeah report it to insurance. If it was only a couple hundred bucks maybe do it yourself but >$1000 isn't worth it.

Skilledblob

Germany3392 Posts

November 18 2011 01:04 GMT

am I the only one who thought of gender bender when he read the thread title?

Nortac

United States375 Posts

November 18 2011 01:09 GMT

You have insurance for situations like these, always report and typically (here in the States) call the police WHEN it happens, really helps out the insurance companies, etc. etc.

Skilledblob

Germany3392 Posts

November 18 2011 01:12 GMT

#10

On November 18 2011 10:09 Nortac wrote:
You have insurance for situations like these, always report and typically (here in the States) call the police WHEN it happens, really helps out the insurance companies, etc. etc.

the insurance will probably say that because he did not call the police that they wont pay because they cant know if he didnt do the damage himself with the intention to rip off the insurance

OmniEulogy

Canada6590 Posts

November 18 2011 01:13 GMT

#11

On November 18 2011 10:12 Skilledblob wrote:

Show nested quote +

the insurance will probably say that because he did not call the police that they wont pay because they cant know if he didnt do the damage himself with the intention to rip off the insurance

yeah... hopefully OP you aren't going to get screwed because of this

gotta stay calm and follow the proper channels asap! gl to you

bbulzibar

United States80 Posts

November 18 2011 01:16 GMT

#12

Shouldn't we be asking questions like:

What's your deductable? If you have a $1000 deductable, you are only saving $200 -$500 by getting insurance to cover it -- is that worth reporting?
History of speeding tickets/ other accidents or violations?
Was anyone hurt?

In general, I recommend going through insurance. If you have a clean record, your rates may not go up at all. It also protects you from future liability. Let's say in 1 year, the other guy starts complaining about neck problems and decides to sue you for medical expenses. If it was reported to the insurance company, they will handle the ensuing legal issues and/or pay a settlement.

Torenhire

United States11681 Posts

November 18 2011 01:18 GMT

#13

On November 18 2011 10:12 Skilledblob wrote:

Show nested quote +

the insurance will probably say that because he did not call the police that they wont pay because they cant know if he didnt do the damage himself with the intention to rip off the insurance

I mentioned that in a PM I sent to him, haha. ^^;

Someone rear ended me and we were like "pffft no big deal amirite" and the accident ended up being my fault somehow, because the other dude reported it despite saying we weren't going to. I didnt fix the car and I got rid of it haha.

Also at the post above, yeah probably, but really in this case it's probably best to call insurance regardless.

eXigent.

Canada2419 Posts

November 18 2011 01:48 GMT

#14

On November 18 2011 10:18 Torenhire wrote:

Show nested quote +

Thats odd. I thought if someone readends you then they are at fault due to not maintaining a proper/safe distance from the car in front. Id imagine it is situational though

Torenhire

United States11681 Posts

November 18 2011 02:01 GMT

#15

My accident was a little weird. I'm not really sure how it qualifies as my fault...I (to this day) believe it should have been shared blame at the VERY least, but because no cops were around to report it, it just got charged as a violation to yield right of way on my part and I got docked for it.

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