handbreak wasnt on,rear end collusion.

spearfish25 · 12-22-2010, 06:12 AM

^that's what I'd do. Call the guy, tell him that insurance will only be a headache, and ask how much cash he thinks will cover the damage. Negotiate and then give it to him. Then you're done and no insurance issues.

ClemsonWill · 12-22-2010, 07:00 AM

My wife just had a similar situation. We settled outside of insurance to save her premiums from going up. Just make sure you get documentation.

flashburn · 12-22-2010, 07:17 AM

Quote:

Originally Posted by spearfish25

^that's what I'd do. Call the guy, tell him that insurance will only be a headache, and ask how much cash he thinks will cover the damage. Negotiate and then give it to him. Then you're done and no insurance issues.

I think it's too late now. Even if he was to do that, there would be nothing to stop the other guy from continuing with the claim, since he has the other guys insurance info.

I'd just pay the penalty, learn from your mistake, and move on. Regardless of the damage, it was your fault. Insurance inspectors can be pretty stingy, so they might not pay out as much as you think for that guy once they see his car.

m4a1mustang · 12-22-2010, 07:54 AM

Quote:

Originally Posted by spearfish25

^that's what I'd do. Call the guy, tell him that insurance will only be a headache, and ask how much cash he thinks will cover the damage. Negotiate and then give it to him. Then you're done and no insurance issues.

When I was a dumbass kid I rear-ended another dumbass kid in a Civic when we were driving home from college for Thanksgiving. We exchanged info and instead of going through the insurance my dad wrote his parents a $700 check to cover the repairs and their troubles.

SO... go to your dad and ask him to bail you out.

ClemsonWill · 12-22-2010, 07:55 AM

Quote:

Originally Posted by m4a1mustang

When I was a dumbass kid I rear-ended another dumbass kid in a Civic when we were driving home from college for Thanksgiving. We exchanged info and instead of going through the insurance my dad wrote his parents a $700 check to cover the repairs and their troubles.

SO... go to your dad and ask him to bail you out.

12-22-2010, 06:12 AM	#1 (permalink)
spearfish25 A True Z Fanatic Join Date: Mar 2009 Location: Naples, FL Posts: 4,117 Drives: to work Rep Power: 1857	^that's what I'd do. Call the guy, tell him that insurance will only be a headache, and ask how much cash he thinks will cover the damage. Negotiate and then give it to him. Then you're done and no insurance issues. __________________ 2013 Cadillac V-Wagon, RIP Z

12-22-2010, 07:00 AM	#2 (permalink)
ClemsonWill A True Z Fanatic Join Date: Jul 2010 Location: Charleston, SC Posts: 12,045 Drives: a Civic VP! Rep Power: 445	My wife just had a similar situation. We settled outside of insurance to save her premiums from going up. Just make sure you get documentation. __________________ Slightly modded