Minor car accident - question about insurance claim & responsibility
February 25, 2013 12:28 PM Subscribe
I was in what I think was a fender bender on Saturday, and have a question about the insurance process / responsibility. This was near Boston, MA if it matters.
posted by darsh to travel & transportation (13 answers total)
On Saturday morning, I was involved in a minor car accident. I was driving down a side street, and a car pulled out a driveway on my right hand side and made to turn left. This car and mine 'brushed' past each other (in quotes because we didn't hit each other head on, but we did make contact) - I have some damage and paint scratches across the drivers side back door, and the other car has some along the drivers side front fender.
The instant i felt the impact, I stopped the car at the side of the road, and got out and went towards the other car. At the same time, the driver of the other car did also , and started yelling "Didn't you see me coming out? what were you thinking of". I hadn't seen him, and said so, and apologized. We exchanged name and numbers, I apologized again, we both drove away. Note he made no apology or said anything after the initial statement, and telling me his name/number. Despite the fact that I was going down a straight road, and he was coming out of a driveway.
Here's my question: if he files a claim, does that mean I am responsible? Should I therefore file a claim first?
I do think I am partially responsible (I didnt see him pulling out of the driveway), but I think he is too - he didnt see me coming down a straight road. I dont want to be stuck bearing the full amount of the claim (including damage to my own car). His lack of apology was something I realized only later, as I was a tiny bit shaken at the time, but I wonder if my apologizing first somehow put me on the defensive where I shouldnt have been.
Any thoughts/opinions/experience helpful, thanks!