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How much info is needed to file auto insurance claim?

Home ▸ Archive ▸ Serious Business ▸ How much info is needed to file auto insurance claim?
justincredible's avatar

justincredible

Nick Mangold

32,056 posts
Apr 16, 2011 8:40 PM
Backstory: A few weeks ago I walk out the door to head to work and I see a pile of busted up mirror below my driver side rear view. I, of course, immediately flip out as I walk to my truck. Luckily the person that hit it left an apology, their first name, and their phone number on the back of a business card. I call her and when I finally hear back from her she wants me to get an estimate so she can give me a check without involving insurance. That's fine and dandy with me. I get a quote on parts and labor, call her back, and she says she'll drop a check off that night. Nothing. A week later I call her back. No answer. Three or four days later I call her again. No answer. I left messages both times for her to call me back but I've heard nothing. Now my question is, can I turn in a claim with my insurance company with just her first name and phone number? I want to call her again tomorrow and let her know that if I don't have a check by the end of the day then I'm going to turn her info in to my insurance but I want to make sure it's a legit threat before I do.
Apr 16, 2011 8:40pm
Scarlet_Fever's avatar

Scarlet_Fever

Senior Member

736 posts
Apr 16, 2011 9:06 PM
You may not want to do this but if she keeps avoiding you call and make a police report. If you have a note that has a name and number and a signed admission of guilt I'm pretty sure they can charge her with some sort of traffic violation. This will get the claim rolling.
Apr 16, 2011 9:06pm
justincredible's avatar

justincredible

Nick Mangold

32,056 posts
Apr 16, 2011 9:14 PM
Scarlet_Fever;742804 wrote:You may not want to do this but if she keeps avoiding you call and make a police report. If you have a note that has a name and number and a signed admission of guilt I'm pretty sure they can charge her with some sort of traffic violation. This will get the claim rolling.

Not a bad idea. I'd rather just go through insurance but if I have to I would go this route.
Apr 16, 2011 9:14pm
I

I Wear Pants

Senior Member

16,223 posts
Apr 16, 2011 9:17 PM
Fuck it, if the person is being shitty file a police report. That type of shit isn't cool. If you don't have insurance because you can't afford it or something like that and you hit someone and leave a note that you'll take care of it you better fucking do so.
Apr 16, 2011 9:17pm
justincredible's avatar

justincredible

Nick Mangold

32,056 posts
Apr 16, 2011 9:19 PM
I Wear Pants;742809 wrote:Fuck it, if the person is being shitty file a police report. That type of shit isn't cool. If you don't have insurance because you can't afford it or something like that and you hit someone and leave a note that you'll take care of it you better fucking do so.

I'd imagine she has insurance, I just guess she has a $500 deductible which wouldn't make sense to use on a $460 repair.
Apr 16, 2011 9:19pm
justincredible's avatar

justincredible

Nick Mangold

32,056 posts
Apr 16, 2011 9:23 PM
It's really frustrating that she said she would drop off a check and then all of a sudden I can't get a hold of her and she won't call me back. My guess, based on her name and voice, is she's 55ish years old and from what something she said is that she's a nurse. She said something about being on call or something like that.
Apr 16, 2011 9:23pm
justincredible's avatar

justincredible

Nick Mangold

32,056 posts
Apr 16, 2011 9:23 PM
If anyone knows a middle-aged nurse from Cincinnati named Debbie, tell her I'm pissed.
Apr 16, 2011 9:23pm
justincredible's avatar

justincredible

Nick Mangold

32,056 posts
Apr 16, 2011 10:34 PM
Welp, a little sleuthing led me to her full name. Found her name/number in a city of Cincinnati building inspection report pdf through a google search. Not sure if the last name helps me more or not, but it seems like it would.
Apr 16, 2011 10:34pm
Little Danny's avatar

Little Danny

Senior Member

4,288 posts
Apr 16, 2011 10:43 PM
justincredible;742811 wrote:I'd imagine she has insurance, I just guess she has a $500 deductible which wouldn't make sense to use on a $460 repair.

Damage to your vehicle would be covered by her liability coverage. There is no deductible for liability coverage. A deductible is for collision or comprehensive coverage for damage to your own auto.

If you have a her information, give it to your insurance carrier. After they pay the damages to your auto they can collect (subrogate) from her carrier or against her personally if she is uninsured.
Apr 16, 2011 10:43pm
justincredible's avatar

justincredible

Nick Mangold

32,056 posts
Apr 16, 2011 10:50 PM
Little Danny;742824 wrote:Damage to your vehicle would be covered by her liability coverage. There is no deductible for liability coverage. A deductible is for collision or comprehensive coverage for damage to your own auto.

If you have a her information, give it to your insurance carrier. After they pay the damages to your auto they can collect (subrogate) from her carrier or against her personally if she is uninsured.

Gotcha. But her rates would go up filing a liability claim, right? I guess that is why she would rather pay out of pocket, initially.

So if I give her info to my carrier there is no chance that I'm going to get stuck paying for this, right? I won't have to pay a deductible and/or my rates won't go up? Probably stupid questions but I've never had to use my auto insurance in the 12+ years I've been driving.
Apr 16, 2011 10:50pm
J

June18

Senior Member

298 posts
Apr 16, 2011 11:03 PM
You would have to pay your deductable up front and then your insurance company would try to get it back from her or her insurance company. If you go through your policy you have to pay the deductable no matter who's fault it is.
Apr 16, 2011 11:03pm
justincredible's avatar

justincredible

Nick Mangold

32,056 posts
Apr 16, 2011 11:03 PM
June18;742838 wrote:You would have to pay your deductable up front and then your insurance company would try to get it back from her or her insurance company. If you go through your policy you have to pay the deductable no matter who's fault it is.

Eff.
Apr 16, 2011 11:03pm
Little Danny's avatar

Little Danny

Senior Member

4,288 posts
Apr 16, 2011 11:09 PM
If you a deductible, your carrier will deduct that amount from the amount of damage to your vehicle. When your insurance pursues her in subrogation, you will receive a check back in the amount of your deductible.

As far as your rates go, the claim will be out there. However, your carrier will not code you as at fault. Since this is a very small loss and the only claim in 12 years, you should be ok for now. (Note: If your insurer increases your rates because of this I would look elsewhere).
Apr 16, 2011 11:09pm
justincredible's avatar

justincredible

Nick Mangold

32,056 posts
Apr 16, 2011 11:12 PM
My deductible is $500. The quote from the dealership was $465.
Apr 16, 2011 11:12pm
D

dave

Senior Member

4,558 posts
Apr 16, 2011 11:14 PM
Did you get a quote from a body shop that isn't a dealer?
Apr 16, 2011 11:14pm
justincredible's avatar

justincredible

Nick Mangold

32,056 posts
Apr 16, 2011 11:16 PM
dave;742850 wrote:Did you get a quote from a body shop that isn't a dealer?

No, but I assume it would be cheaper. I can buy the part and install it myself for ~$150 but I don't want to pay anything because some dumb bimbo busted my shit.
Apr 16, 2011 11:16pm
hasbeen's avatar

hasbeen

Excuse me, Flo?

6,504 posts
Apr 16, 2011 11:21 PM
justincredible;742852 wrote:No, but I assume it would be cheaper. I can buy the part and install it myself for ~$150 but I don't want to pay anything because some dumb bimbo busted my shit.

She's a nice lady!
Apr 16, 2011 11:21pm
Little Danny's avatar

Little Danny

Senior Member

4,288 posts
Apr 16, 2011 11:22 PM
Justin,

Send her a certified letter (hmmm.... sounds eerily familiar). Tell her you want a response in 5 days or else you will be filing suit in small claims court, where you will ask for not only the damage to your auto, but other damages as well. If the woman responds by saying she has no insurance or money, let her know you'll take it in installments (if she is hot, let her know other arrangements can be made :) )
Apr 16, 2011 11:22pm
D

dave

Senior Member

4,558 posts
Apr 16, 2011 11:22 PM
justincredible;742852 wrote:No, but I assume it would be cheaper. I can buy the part and install it myself for ~$150 but I don't want to pay anything because some dumb bimbo busted my shit.

The lower the quote you give her the more likely she will pay. When she left that note she prob thought it was going to be $100, dumb slut.
Apr 16, 2011 11:22pm
justincredible's avatar

justincredible

Nick Mangold

32,056 posts
Apr 16, 2011 11:25 PM
When I told her the price of the quote she said no problem.
Apr 16, 2011 11:25pm
D

dave

Senior Member

4,558 posts
Apr 16, 2011 11:27 PM
obviously that's not the case, she just didn't want to tell you.
Apr 16, 2011 11:27pm
justincredible's avatar

justincredible

Nick Mangold

32,056 posts
Apr 16, 2011 11:33 PM
I hate her.
Apr 16, 2011 11:33pm
D

dave

Senior Member

4,558 posts
Apr 16, 2011 11:39 PM
is she in the phone book? Let's do the flaming bag of shit on her porch. I'll meet you there.
Apr 16, 2011 11:39pm
justincredible's avatar

justincredible

Nick Mangold

32,056 posts
Apr 16, 2011 11:40 PM
dave;742877 wrote:is she in the phone book? Let's do the flaming bag of shit on her porch. I'll meet you there.

Hmmm...if I had a phonebook I'd check it out.
Apr 16, 2011 11:40pm
D

dave

Senior Member

4,558 posts
Apr 16, 2011 11:41 PM
don't think I have one either, so you just have her first and last name and cell number?
Apr 16, 2011 11:41pm