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Surfbum84

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Feb 6, 2008
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I rear ended some lady last night as she was making a right turn, then jammed on her brakes and I coudlnt stop in the wet weather. My car is 100% fine, and her's has a little scratch. I gave her my cell number and that's it, no insurance info or anything.

Do you think it's better to pay cash to fix whatever damage there is or go through insurance...or just deny it was even me cuz my car is perfectly fine.

Thanks
 
Obviously depends on the level of damage... and the driver you hit.
 
Surfbum84 said:
I rear ended some lady last night as she was making a right turn, then jammed on her brakes and I coudlnt stop in the wet weather. My car is 100% fine, and her's has a little scratch. I gave her my cell number and that's it, no insurance info or anything.

Do you think it's better to pay cash to fix whatever damage there is or go through insurance...or just deny it was even me cuz my car is perfectly fine.

Thanks
Click to expand...

If you rear-ended her car, YOU are at fault. She has your cell number, she may have taken photos, there may be witnesses that would agree to testify on her behalf.

Pay for her damages but be aware she can make a claim through her insurance and it will come back to yours.
 
She can open a case with the traffic investigation dept. at the police. If there is anyway that they determine by witness or by matching scratches on your car to the other car, you are screwed. This is a criminal offence you are thinking of commiting. If caught you may be screwed in ways that you never thought of. Would the USA or other countries want tp admit a person that has a criminal record and for telling lies?

Own up to it and be a man!!!
 
you won 't pay anything towards the repairs to her car that is no fault, her company pays for it. You may have to pay increased premiums once teh companies finish the paperwork. Always eschange dl and insurance info, what happens if she is not licensed? somebody else shows up and reports that accident and says you ran off.

Probably won't happen but it could.
 
ok, Surfbum84....

I can relate one of my personal experince that happended many years ago exactly that i lightly tapped the the rear end at the lights, turning right.

1) Did you exchange license plates?
2) Any Whitnesses?

If you wanted to repair the car without going thru insurance, you can, but it depends on the person you are dealing with, so there has to be a mutual agreement. HOWEVER, no insurance companies will recommend that, because the victim can retailiate after the repair, ESPECIALLY personally injuries.

Remember, in Ontario, we have a no-fault insurance, so who ever got the damages, goes back to their own insurance for claims. WHat can get messy is when the victim claims for personal injuries, then you are in hot water and only your insurance company can save your ass.

Then you are in a lawsuit, your insurance company will have their legal department to take care of things, win or lose, it can take 5 to 7 years to go on trial, and most of these minor accidents, victims are usually want money, for the time unable to work, blah blah blah. And in some cases, victims might give up the lawsuit because it is either taking tooo long, or his/her lawyer suggest to dismiss the case if the case is weak/no chance of winning.

So for you, just hope she doesn't call you or report it to the police. If she does, the police will usually give you a buzz. Be honest and tell them what happened.

Good luck!

JC
 
Larry_Fyne said:
If you rear-ended her car, YOU are at fault.
Click to expand...

I know the ol' argument about being too close , making you automatically at fault . But I think that's not always the case, if someone cuts in front of you and jams the brakes they're the ones at fault.

there was a show where they found these guys pulling a scam like this , because they know if someone rear ends you there's no defense for it.
 
islandman4567 said:
I know the ol' argument about being too close , making you automatically at fault . But I think that's not always the case, if someone cuts in front of you and jams the brakes they're the ones at fault.

there was a show where they found these guys pulling a scam like this , because they know if someone rear ends you there's no defense for it.
Click to expand...

there is a big difference between an illegal lane change and a rear ender due to follow to close
 
Oh there is no doubt it was my fault. She didn't take any photos, and there were no witnesses but I gave her my name and my cell and I told her to give me a shout and I"ll pay her cash for everything.

There is absolutely no damage to my car and she has a little scratch but I'm gonna pay her if/when she calls me.

Thanks friends!
 
Surfbum84 said:
There is absolutely no damage to my car and she has a little scratch but I'm gonna pay her if/when she calls me.
Click to expand...

I would do the same.

Just a note, I have come very close to this same type of accident. At a red light in the right hand turn lane, and the car in front starts the turn. I'm looking left to see if anyone is coming, then start my turn when the way is clear only to see the driver in front has changed their mind and jammed on the brakes.

Happens way to often, I now never take my eyes of the car in front until they have made their turn, only then do I start mine.

Good luck.
 
landscaper said:
there is a big difference between an illegal lane change and a rear ender due to follow to close
Click to expand...


Following too close for the conditions would be the charge and except in extraordinary circumstances it is always the driver in the following cars fault.
 
Someone rear ended me before and I agreed not to go through insurance. It happened that her boyfriend worked at a body shop and she arranged for it to be fixed. Didn't do the greatest job though. Next time I would insist on having the repair done at a place of my choosing.

You're basically at this woman's mercy - if she's unreasonable and wants to screw you (not literally) you would be better off going through insurance.
 
Don't go through the insurance unless you want your rates to increase. Only if you car was totaled.
 
About 8 years ago, I got into an accident in a similar situation. It was raining that day and the women just in front of me switched into my lane and then slammed on the breaks because she didn't notice that the car in front of her was stopped. This caused me to have to slam on my brakes. I then hydroplaned and clipped her rear end. There was very little damage but she insisted on calling the cops and I was charged with following to close. I thought that was complete BS, I told the cop exactly what happened and the lady even agreed she had just switched lanes, but the cop said anytime you rear end someone you are at fault and he said he had to charge me. I thought this was complete BS and fought it in court and won. The charges were dropped and I was deemed to not be at fault. The kicker is though, my insurance rates still went up. My insurance company said they go by the initial police report, regardless of if you go to court and get the decision reversed. This caused my rates to be elevated for 6 years. I hate insurance companies, anyway to make a buck.
 
Surfbum84 said:
I rear ended some lady last night as she was making a right turn, then jammed on her brakes and I coudlnt stop in the wet weather. My car is 100% fine, and her's has a little scratch. I gave her my cell number and that's it, no insurance info or anything.

Do you think it's better to pay cash to fix whatever damage there is or go through insurance...or just deny it was even me cuz my car is perfectly fine.

Thanks
Click to expand...

Wait and see if she calls. I believe she's supposed to go to a collision reporting centre within 24 hours. If she wants you to pay for the repairs, suggest you meet at a CAA recommended autobody shop and get an estimate.
 
islandman4567 said:
I know the ol' argument about being too close , making you automatically at fault . But I think that's not always the case, if someone cuts in front of you and jams the brakes they're the ones at fault.

there was a show where they found these guys pulling a scam like this , because they know if someone rear ends you there's no defense for it.
Click to expand...

That's true, but not in this case. The driver stopped to make a turn and the OP ran into them....end of story.

Since I am familiar with the op, I'd be reporting it to the accident reporting center. It may only be a scratch, but with new cars, if they hit at more than 5 mph, thousands of dollars of damage can occur. I recall seeing testing done and on a xxxx, $4500.00 damage was done to the rear bumper at 6 mph. The whole plastic cover, the metal one underneath, mounting brackets, everything had to be replaced.

The other driver was DUMB for not getting all the op's info...that's the FIRST thing you do in any kind of accident.....
 
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