If a person admits to hitting car what happens next?

Question

i have been left a phone number in car park by lady who hit my car i called my insurance when i got home just to make a log of it, then that evening i called her and she wasn't in so i asked her husband if she could call me back the next day, she didnt call me so my husband called her and asked for her insurance policy number and company, she said we need to get 3 quotes first, is this right , i thought that i would need to contact her insurance company first and speak to them , ?

Answer 1

You have a choice here, you can either involve insurance companies or sort things out privately between yourselves. There is no compulsion for the repair to be arranged and sorted out by either persons insurance company.

I think the very fact that she left a note for you is something to be grateful for and perhaps an indication of her good faith. There are a great many people these days who wouldn't bother, leaving you to foot the bill.

The request that you get some quotes for the repair is fair and reasonable. An advantage for you being you have some element of choice over who repairs your car. Not something you would necessarily have if it was in the hands of the insurers.

Answer 2

You should just fill in your accident form, send it to your insurers and let them handle it. I hope you took down her car details make/model and registration plate ?

I had a cut and dry incident like this and was messed around for a week before I finally got fed up and filled in the form, something you should do the day it happens, Get it done and sent !

Answer 3

yes. get the three quotes. she'll pick the repair shop with the lowest quote. once youve gotten all three quotes call her back and tell her you have the three quotes. youll get the work done and her insurance company will pay for it. (i dont think she's paying for it herself.)

Answer 4

Call HER insurance company immediately and tell them that you have a note from a policy holder that hit your car!!!!!!! Tell them that you have spoken to her after many days of trying to reach her and that she wants 3 quotes. Then let HER fight this out with her insurance. Pester them until your car is fixed!

Answer 5

You should have also filed a police report.  You still can, this needs to be documented not just with the insurance companies, accident or not - someone was driving careless. If the damage is that noticeable you may be pulled over if the police in your town is bored one day and thinks something suspicious may have occured (like what does the other car look like).

Maybe she is a rsiky driver and doesn't want her insurance rate to go up, see if she will be reasonable and repair your car.  Document all that is going on in case she doesn't keep her word.

Answer 6

Try to have as much information as you could perhaps is one of the options,however it is labor consuming,here is the place i have ever had good experience with.http://car-insurance.easyideas4u.info/ca...

Answer 7

It sounds like she didn't report it to her insurance.  If she wants three quotes to look at she  might be considering paying it out of pocket so her insurance won't go up.  Whether she pays you or her insurance pays you, you're still getting the money for repairs.  However it would probably be safer if you can talk to her insurance and make a claim through them seeing as how they are professionals and know about car repairs and have more money that she does.