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So I got into a car accident.

Last Monday wasn't exactly the best day of my life.  Then, I had an issue getting out of the parking garage thanks to all of the workers that park right along the side there making it impossible to see to get out.  I get to the light, am rapping my @ss off to Kanye West and somehow very lightly rear ended the person in front of me.  We pull over, get out, there is NO DAMAGE to either car. I want to exchange insurance information, he wants to call the police or his "wife will get mad."

Sounds to me like someone needs to get control of his wife, but I didn't say that.

So I waited for the cops. FOR TWO HOURS. It was FREEZING COLD. And we were approached by SIX HOMELESS PEOPLE BEGGING FOR MONEY. And the whole time he kept apologizing for wanting to call the cops but he wanted everything to be 'kosher.' I get it.  It was my fault but seriously NO DAMAGE.  And I have never heard anyone ever use the word kosher so many times.  I continue to apologize profusely for ruining his evening and for being a crappy driver and he proceeds to show me all the sh!t wrong with his bumper from him hitting the garbage can, a pole in the parking garage, ANOTHER CAR in the parking garage, etc etc.  So the cop shows up, he is obviously completely irritated by the whole thing but I did avoid being issued a ticket.

At the end of last week, the guy calls and suggests that we not go through our insurance company and I say fine because really, how much could this actually cost, there was no damage.  This morning I get the estimate from him and sure enough, he expects me to buy him a new bumper.

$50 says that guy will NEVER fix that bumper and his kids are about to have an ultra nice Christmas. I am violently angry.

Re: So I got into a car accident.

  • Annoying.  I'd tell him that you will agree to pay the body shop directly, but that you're not just going to cut him a check.  Nothing says you have to willingly hand this guy money that he can use at his leisure!  Even if he went through your insurance, the only way they will issue him a check is if there is no lien on his vehicle.  Ask his body shop for a discounted rate since you'll be paying as an individual.  Many times there's up to a 25% mark up of the body shop even hears of insurance involvement.  Worth a shot! Good luck :(
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  • imageBoyMom21:
    Annoying.  I'd tell him that you will agree to pay the body shop directly, but that you're not just going to cut him a check.  Nothing says you have to willingly hand this guy money that he can use at his leisure!  Even if he went through your insurance, the only way they will issue him a check is if there is no lien on his vehicle.  Ask his body shop for a discounted rate since you'll be paying as an individual.  Many times there's up to a 25% mark up of the body shop even hears of insurance involvement.  Worth a shot! Good luck :(

    This is what I am going to do. If he won't do that, I am going to offer him $200 to go away. And if that doesn't work, then my happy @ss will be walking up 9 floors of that parking garage to find his van to take some pictures. It was pitch black when the accident happened and I don't have a flash on my phone camera so I don't have any pictures from that evening.  I am willing to fight this. I got hosed this exact same way in my early 20s and if that guy thinks I am going to just take it from him, he is soo wrong.  I get it, it was my fault.  I was in the wrong, yada yada but I waited in freezing temperatures for two hours so everything would be "kosher." Kosher my @ss.

  • Yeah, I'd probably insist on the insurance route too, because they'll refuse to fix anything if they can't find evidence of NEW damage. 
  • That really, really sucks. I'd also insist the insurance route [after H almost got hosed when he was hit back in August]. That's BS that he thinks you'll just fork over the money.
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  • I'd insist that insurance be involved, no way would I just hand over my $$ in a situation like this.  What a crappy deal :(
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  • I would want to avoid a rate hike on your insurance. If you submit a claim, it will go up.  Id insist on paying the body shop and if he doesn't want to do that then just tell him that he can submit a claim.  And that youre not interested in funding his kids Christmas. Ha!
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  • imageBoyMom21:
    I would want to avoid a rate hike on your insurance. If you submit a claim, it will go up.  Id insist on paying the body shop and if he doesn't want to do that then just tell him that he can submit a claim.  And that youre not interested in funding his kids Christmas. Ha!
    Good point!
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  • Why are people so shady?! Dang! I agree... offer the body shop directly, or take it up with insurance. He obviously doesn't give a crap about his car. I'd probably make the hike and take pictures just to be on the safe side. To CYA so to speak. And then when you're done taking the pics, email and let him know that you have photographic evidence of the lack of damage you caused. Maybe he'll decide to get rear-ended by someone dumber and more amused by his use of that crazy word! Good luck lady. Hope your week gets better!
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