What do you do when you're hit by someone without a driver's license or insurance?
November 13, 2011 2:19 PM Subscribe
My car was rear ended last night and it's starting to look like the guy who hit me does not have a driver's license or insurance. So I'm not really sure what my next move is.
posted by dhammond to Law & Government (20 answers total) 1 user marked this as a favorite
Some guy slammed into me on the freeway last night when traffic came to a stop. Considering he hit me at a decent speed, the damage to my car (2010 Honda Fit) isn't all that severe. The bumper has some pretty bad cosmetic damage but is otherwise in one piece. Aside from that, the back hatchback door thingy that opens up is dented but not all that badly.
Anyway, we exchanged info but the guy said he didn't have his driver's license on him, just a U.S. Passport. So I wrote down his name and his Passport number, figuring that was better than nothing. He showed me his insurance info, which I also copied down. But right before giving it back to him, I noticed that the policy issue date was sometime in May 2010, leading me to later suspect that the policy has expired. In hindsight, I also noticed that he held onto the paper when I was copying down the info, almost as if to lessen the chances that I would notice it might be expired. Anyway, it's possible I'm reading too much into this, but at this point I'm assuming there's a very good chance this guy doesn't have a driver's license OR insurance.
He seemed apologetic about everything and said he would be more than willing to just pay me for the damage. As of now, I'm planning on getting an estimate on the damage tomorrow morning to see what's what but beyond that, I'm not really sure what to do.
I'm more than happy to just take the guy's money to get this fixed if he'll play ball. I don't really feel any inherent need to get the insurance company or anyone else (police?) involved if I can otherwise get my car fixed, but I also want to protect myself. Especially if this guy ends up being a flake or says the damage was more expensive than he thought and can't pay me right away or whatever.
Does anyone have any experience with this or advice? I could really use some.
As of now, I have a photo of the front of his car from the accident scene, his license plate number, name and address and policy number from his insurance paperwork (which may be expired). He also gave me his phone number and said he would call me on Monday.
But that's it. No police report was filed and I haven't contacted either his insurance company or mine yet. I'm inclined to call my insurance company to see what they say, but I also don't want to scare this guy off if he's otherwise willing to play ball. It seems like he's motivated to pay me and not have any authorities involved but maybe I'm being naive.
I'm in Los Angeles, if that matters.