What will happen with this bad bad fender bender?

Question

Okay, today someone backed up and hit the back of my mom's car. it is dented in and part is bend out. it is also scratched at a little. what do you think will happen with it all?

Answer 1

first off, amyslove is incorrect!  IF your mom ends up having to claim this on her policy, it will NOT affect her rates for an accident.  SHE is not at fault!  her company would go back to the other persons company for reimbursment plus your moms deductible! Its done all the time.  If Farmers insurance would penalize her for that, then thats just another reason not to have them for insurance!!!I hope you have a police report from  the accident.  your mom should call the other persons ins company and see if they have filed the claim.  if they have, most likely their company is going to pay to fix your moms car.

Answer 2

DO NOT FILE WITH YOUR INSURANCE!!!  The only way your mom should file with her insurance is if she did not get the other persons info.  If they hit you claim it on their insurance or it will affect your moms insurance rate for having an accident on her record.  If she did not get the other persons info and you have uninsured motorist claim it on that and it will not affect her ins but unless she has no other option do not claim it on her insurance.

EDIT: I said if she claims it on her collision it will effect her insurance.  IF she claims it on uninsured motorist it will NOT effect her.

Answer 3

First, your mom needs to file a claim with the other person's insurance company. You may have to do some detective work here. She can just call and say "one of your insureds hit my vehicle and I would like to put a claim in through their policy."

IF you didn't get the insurance info from the other guy, you can put the claim through your own company (If you have collision insurance) and they will get the money from their company. The bad thing about this is that you will have to lay out your deductible.

Answer 4

Don't call the police!!!! Just yell at Dave he made the mistake of drinking and driving which is very BAD but he's not necessarily a bad guy!

Answer 5

hopefully no one was hurt. your mom needs to file a claim with the other person's insurance company so they can fix it. or she can file with her own insurance company, and they can go after the other company...