Car hit at gas station

[MyBlackBeasts]

Was he not given a ticket?


Builder Of Badassery

No ticket issued if happened on private property.

Police report will assign driver factors showing fault (legal fault).

Claims will determine u/w fault (can be at fault re. u/w even with no driver factors on PD report).

 

[MyBlackBeasts]

Hardly seemed like big enough of a deal to get the police involved. I just don't see how he was anything other than 100% at fault.

You should ALWAYS get PD report no matter what damage. w/o report you open the (common practice) possibility of the other driver going to PD and filing hit & run on you making accident your fault no matter what the circumstances.

 

[MyBlackBeasts]

This.

Did you get the guy's personal information? If so, h needs to call his insurance and report the accident. You shouldn't even get your insurance involved...unless you are willing to pay the deductible.

Correct except the other driver does not have to file the claim, you can do it yourself.

Call claims number and state you want to file a claim against the policy of one of their insureds and provide info. They will contact their insured (if the insured has not already reported the claim) and investigate the incident and pay 100% of your damage (up to the policy PD limit) if they determine their insured to be 100% at fault.

 

[88LTDCV351]

It don't look too bad. A good body man should be able to fix it with replacing the door skin for @ $450.00 + molding.

There is at least one spot where a paint chip came off. The progressive estimate was over $800. California labor rate I'm sure.

 

[fastblackmerc]

So your saying always?

:dunno: I wasn't clear??????

 

[CoreyM75]

In Michigan, as well as a growing number of states, the police will not respond to a private property crash with no injuries. The law enforcement agencies in Southwest Michigan will not even write a report if you come to the police station to report the crash.

 

[lifespeed]

Correct except the other driver does not have to file the claim, you can do it yourself.

Call claims number and state you want to file a claim against the policy of one of their insureds and provide info. They will contact their insured (if the insured has not already reported the claim) and investigate the incident and pay 100% of your damage (up to the policy PD limit) if they determine their insured to be 100% at fault.

Correct answer. File a claim with their insurance directly, not your insurance. If they agree it was their drivers fault you pay nothing, not even a deductible. The deductible applies if you file a claim with your own insurance.

Don't delay. You may come out OK, it will be hard to argue your car moved sideways into the other driver, hitting him with your door.

 

[lifespeed]

In Michigan, as well as a growing number of states, the police will not respond to a private property crash with no injuries. The law enforcement agencies in Southwest Michigan will not even write a report if you come to the police station to report the crash.

Also true, police have zero interest in fender benders. This leaves the responsibility of documenting who was at fault in the accident on you. Take photos and witness contact information.

 

[BLACKMARAUDER04]

Your insurance company is correct.
They have 2 choices, They can wave your deductible if the other insurance
company agrees to take responsibility, or
They can take your deductible and if they collect from the other insurer, re-imburce you.

I would bypass your insurance company and put a claim in directly
with the other company.

Most likely, they will send you a check for the repair (especially if it is under $1,000)

 

[Shornaday]

ALways.. Always... ALWAYS get a police report..... Always!

+++++10 "what Jim said"

 

[djcrook73]

sorry to hear about your bad luck. some may disagree but I have been in the collision industry for about 18 years and by the time you remove the driver door to skin it, disassemble rear door to prep and paint (remove molding , handle and glass and all trim to avoid any paint delamination issues later) prep fender and remove molding as well(the door moldings will deform if not removed carefully and will be junk
so those would go on the estimate along with any clips that break) even though some shops and the ins company may try to tell you that all this work is not necessary because it is a black car. well there are several different types of black and unless you blend the adjacent panels, you can tell. my guesstimate is about $2000 or so. most shops are willing to work with you a little as far as the deductible goes if the job is large enough or the deductible small enough. do not let anyone tell you that it does not take these steps to return your car to pre accident condition, because to me that means not being able to tell it was ever fixed. if you end up for some godforsaken reason paying out of pocket, a good metal man could prob straighten out that door without having to skin it but they are few and far between. I hope this was more helpful than not, I just don't want anyone to try to screw you when it's time to fix your marauder. especially since it was due to a non-driver. good luck with the whole deal. dave

 

[03blackvegas]

sorry to hear about your bad luck. some may disagree but I have been in the collision industry for about 18 years and by the time you remove the driver door to skin it, disassemble rear door to prep and paint (remove molding , handle and glass and all trim to avoid any paint delamination issues later) prep fender and remove molding as well(the door moldings will deform if not removed carefully and will be junk
so those would go on the estimate along with any clips that break) even though some shops and the ins company may try to tell you that all this work is not necessary because it is a black car. well there are several different types of black and unless you blend the adjacent panels, you can tell. my guesstimate is about $2000 or so. most shops are willing to work with you a little as far as the deductible goes if the job is large enough or the deductible small enough. do not let anyone tell you that it does not take these steps to return your car to pre accident condition, because to me that means not being able to tell it was ever fixed. if you end up for some godforsaken reason paying out of pocket, a good metal man could prob straighten out that door without having to skin it but they are few and far between. I hope this was more helpful than not, I just don't want anyone to try to screw you when it's time to fix your marauder. especially since it was due to a non-driver. good luck with the whole deal. dave

I try to tell members in a similar way as you did about the real world of repairing our cars after a collision, I mostly feel like I'm wasting my breath.

 

[djcrook73]

yeah blackvegas I figure it could be helpful info for all. years back, someone hit one of my cars once and tried to have "his guy" fix it and it would have been hacked to suit someone else's budget. needless to say, I fixed it myself at the shop I worked for at the time and told him to screw himself. insurance companies basically try the same stuff with their referral shops. in my state we have the right to go only to the shop we choose which is only fair.

 

[Logizyme]

I hope everything works out for you OP. My experience with progressive is very poor, they will do whatever they can to dirtbag you and save every penny they can. As others have mentioned, file a claim with the at faults insurance, make sure you explain clearly, that your car was never moving and that they drove into your stopped car.

I think I'm going to cancel my Progressive. What other companies do you all suggest? I got a letter from them that said the accident fell under my deductible so I have to pay for the repairs. I thought since the guy backed into my stopped car (that he should have used his rearview mirror before backing out, you think yes?) that I shouldn't have to pay anything, no?

On private property, if your vehicle is not moving, and their vehicle collides with yours, it is 100% their fault. Your insurance should not be involved unless the other party is claiming that you are at fault or responsible for damages.

Was he not given a ticket?


Builder Of Badassery

Not sure about the laws in Nevada where this occurred, but in my home state unless it is reckless driving you can not be cited for a traffic law that was broken on private property.

 

[jsignorelli]

Last year, my Fusion was parked in front of a friends home (we were visiting for dinner). Her neighbor across the street backed out of his driveway and crunched the drivers door. I called the police because I wanted a full report for HIS insurance company. As I was not in the car, he was completely on the hook for all of the repairs. His insurance company paid, in full, and there was no negotiating with them. In New Jersey, we have NO Fault, but only when you are both driving. Parked cars, and cars where the driver is out of the car, does not fall into the No Fault exclusion.
CONTACT HIS INSURANCE COMPANY!

 

[fastblackmerc]

I try to tell members in a similar way as you did about the real world of repairing our cars after a collision, I mostly feel like I'm wasting my breath.

Your not wasting your breath... some people just don't listen.......

 

[88LTDCV351]

I did call the other insurance company and they gave me a claim number and said they would get back to me. I have heard back from them since.

 

[junior]

I did call the other insurance company and they gave me a claim number and said they would get back to me. I have heard back from them since.

Call them again, and again, then talk to management and threaten to talk to AG. Then call AG if no response.

 

[8UWITH6]

I try to tell members in a similar way as you did about the real world of repairing our cars after a collision, I mostly feel like I'm wasting my breath.

You tried to tell me when my car was hit 366 days ago that it would never be the same. And you where correct. It turned out better than it was pre accident despite your "real world" approach.

I had to fight hard with the insurance company of the person that hit me. But the variable that remained constant throughout the entire ordeal was my BODY SHOP I chose. The Body Shop I used is the best in town here and did not take any crap from anyone, fixed my car the way they knew I wanted it fixed and did not cut corners no matter what. They also helped guide me when things almost came to a halt on the supplement stages.

To the original poster be persistent. To the point you think they will stop answering emails and phone calls. Keep contacting the person whom hit you and ask them for updates. The minute you let your guard down they are going to take advantage of you. Good luck sorry for rant. I cannot even begin to explain what I went through to get my car repaired correctly last year.

 

[03blackvegas]

In a roundabout way, you proved my point. I'm glad to hear the job came out to your satisfaction.