Please advise on car insurance issues after an accident.
December 16, 2012 9:46 PM Subscribe
A guy hit my car parked on the street in Cambridge, MA, causing some damage (to the car only, I wasn't around). He left a note. I called him and he wanted to bypass our insurance providers. Please advise.
posted by A dead Quaker to human relations (35 answers total) 1 user marked this as a favorite
My car is a Honda Civic, about 9 years old. The damage was to the left front corner, which he hit hard enough that part of the outer shell below the hood came off, leaving the windshield washer container exposed (between the front wheel and the front bumper). I worry a little about further unseen damage.
The guy who hit my car says he has four vehicles under his insurance, including two trucks for business (he is a carpenter) and his wife and daughter's vehicles. His son has been involved in some accidents, so he doesn't want his premiums to go up more. So, I have sympathy for him. I've talked to him on the phone twice. My plan is to go to a garage that I trust and get an estimate, then present it to him. He has agreed to give me a certified check for the amount of the estimate.
I'm in reasonably good standing with my insurance provider; I had another problem with someone hitting my parked car a couple years ago (and not leaving a note) but other than that I haven't been in any accidents in the past decade. I could just contact my insurance provider and let them handle this, but I feel for the guy. He did leave his phone number, which was something.
All that said, I'm finding this situation to be quite stressful. I don't like worrying about the trustworthiness of a stranger. I am also concerned that there might be things I'm missing.
Are there any legal or insurance aspects to this that I'm overlooking? Am I being a sucker for not immediately filing a claim? Is there anything else about this that might come back to bite me later?