Lyle said:
I’ve been through something similar. I rear-ended someone and ended up paying $2k for his bumper. A few months later, someone rear-ended me and I thought about handling it without insurance. I’m glad I didn’t, because the initial estimate of $1.8k ended up being $9.2k once they found more damage. I’m also worried about being dropped since I had two claims in a short time.
I had accident forgiveness, but that’s out the window now
We just have to go through it and hope for the best. Good luck.
Call your insurance and file the claim. Pay the deductible. Whether or not you get dropped is like rolling the dice—every company has their own process for evaluating risk.
Oakes said:
Here’s the situation… My brand new car was rear-ended, and there’s a police report with the other guy being 100% at fault. But I found out his insurance lapsed because he didn’t pay. The cop didn’t run it to verify at the time. So, when I tried to file a claim, his insurance said they couldn’t help me. I could file with my own insurance, but a few months ago, I had a total loss claim on my previous car. Now, I’m worried that filing another claim might lead to my insurance dropping me. I could also pay for the damage myself and try to get the guy to pay me back, but he’s broke, has no job, and it seems like I won’t get my money back anytime soon, if ever. The damage is estimated at around $4k. What would you do?
Just file with your insurance. Small claims court is a headache, and even if you win, there’s no guarantee you’ll get paid.
Oakes said:
Here’s the situation… My brand new car was rear-ended, and there’s a police report with the other guy being 100% at fault. But I found out his insurance lapsed because he didn’t pay. The cop didn’t run it to verify at the time. So, when I tried to file a claim, his insurance said they couldn’t help me. I could file with my own insurance, but a few months ago, I had a total loss claim on my previous car. Now, I’m worried that filing another claim might lead to my insurance dropping me. I could also pay for the damage myself and try to get the guy to pay me back, but he’s broke, has no job, and it seems like I won’t get my money back anytime soon, if ever. The damage is estimated at around $4k. What would you do?
I had a similar situation. Someone rear-ended my truck, and her insurance had lapsed. I paid my $1k deductible, went to court, got a judgment for $1.9k, and she promised to pay me back. I got a few checks, then she just stopped. Meanwhile, she’s posting about her vacations on Facebook. Sometimes you just have to take the hit, pay your deductible, and let your insurance handle it.
Oakes said:
Here’s the situation… My brand new car was rear-ended, and there’s a police report with the other guy being 100% at fault. But I found out his insurance lapsed because he didn’t pay. The cop didn’t run it to verify at the time. So, when I tried to file a claim, his insurance said they couldn’t help me. I could file with my own insurance, but a few months ago, I had a total loss claim on my previous car. Now, I’m worried that filing another claim might lead to my insurance dropping me. I could also pay for the damage myself and try to get the guy to pay me back, but he’s broke, has no job, and it seems like I won’t get my money back anytime soon, if ever. The damage is estimated at around $4k. What would you do?
Isn’t it crazy how we pay for insurance but are scared to use it even when we aren’t at fault?
Oakes said:
Here’s the situation… My brand new car was rear-ended, and there’s a police report with the other guy being 100% at fault. But I found out his insurance lapsed because he didn’t pay. The cop didn’t run it to verify at the time. So, when I tried to file a claim, his insurance said they couldn’t help me. I could file with my own insurance, but a few months ago, I had a total loss claim on my previous car. Now, I’m worried that filing another claim might lead to my insurance dropping me. I could also pay for the damage myself and try to get the guy to pay me back, but he’s broke, has no job, and it seems like I won’t get my money back anytime soon, if ever. The damage is estimated at around $4k. What would you do?
Isn’t it crazy how we pay for insurance but are scared to use it even when we aren’t at fault?
People don’t really understand the true cost of accidents or how much bodily injury claims can cost. That’s why insurance exists, but it also drives rates up.
Oakes said:
Here’s the situation… My brand new car was rear-ended, and there’s a police report with the other guy being 100% at fault. But I found out his insurance lapsed because he didn’t pay. The cop didn’t run it to verify at the time. So, when I tried to file a claim, his insurance said they couldn’t help me. I could file with my own insurance, but a few months ago, I had a total loss claim on my previous car. Now, I’m worried that filing another claim might lead to my insurance dropping me. I could also pay for the damage myself and try to get the guy to pay me back, but he’s broke, has no job, and it seems like I won’t get my money back anytime soon, if ever. The damage is estimated at around $4k. What would you do?
Isn’t it crazy how we pay for insurance but are scared to use it even when we aren’t at fault?
Oakes said:
Here’s the situation… My brand new car was rear-ended, and there’s a police report with the other guy being 100% at fault. But I found out his insurance lapsed because he didn’t pay. The cop didn’t run it to verify at the time. So, when I tried to file a claim, his insurance said they couldn’t help me. I could file with my own insurance, but a few months ago, I had a total loss claim on my previous car. Now, I’m worried that filing another claim might lead to my insurance dropping me. I could also pay for the damage myself and try to get the guy to pay me back, but he’s broke, has no job, and it seems like I won’t get my money back anytime soon, if ever. The damage is estimated at around $4k. What would you do?
Depending on your state, uninsured motorist property damage claims might not raise your rates since you weren’t at fault.
Oakes said:
Here’s the situation… My brand new car was rear-ended, and there’s a police report with the other guy being 100% at fault. But I found out his insurance lapsed because he didn’t pay. The cop didn’t run it to verify at the time. So, when I tried to file a claim, his insurance said they couldn’t help me. I could file with my own insurance, but a few months ago, I had a total loss claim on my previous car. Now, I’m worried that filing another claim might lead to my insurance dropping me. I could also pay for the damage myself and try to get the guy to pay me back, but he’s broke, has no job, and it seems like I won’t get my money back anytime soon, if ever. The damage is estimated at around $4k. What would you do?
Depending on your state, uninsured motorist property damage claims might not raise your rates since you weren’t at fault.
I’m not sure how NJ handles this, but it’s definitely not my fault. I just don’t know if that means I won’t get dropped.
Oakes said:
Here’s the situation… My brand new car was rear-ended, and there’s a police report with the other guy being 100% at fault. But I found out his insurance lapsed because he didn’t pay. The cop didn’t run it to verify at the time. So, when I tried to file a claim, his insurance said they couldn’t help me. I could file with my own insurance, but a few months ago, I had a total loss claim on my previous car. Now, I’m worried that filing another claim might lead to my insurance dropping me. I could also pay for the damage myself and try to get the guy to pay me back, but he’s broke, has no job, and it seems like I won’t get my money back anytime soon, if ever. The damage is estimated at around $4k. What would you do?
Same thing happened to me. A commercial vehicle rear-ended me and totaled my car. I thought about suing the driver’s business, but my lawyer said it wouldn’t be worth it. I filed with my insurance, and it took years to get it sorted, but it worked out in the end.
Oakes said:
Here’s the situation… My brand new car was rear-ended, and there’s a police report with the other guy being 100% at fault. But I found out his insurance lapsed because he didn’t pay. The cop didn’t run it to verify at the time. So, when I tried to file a claim, his insurance said they couldn’t help me. I could file with my own insurance, but a few months ago, I had a total loss claim on my previous car. Now, I’m worried that filing another claim might lead to my insurance dropping me. I could also pay for the damage myself and try to get the guy to pay me back, but he’s broke, has no job, and it seems like I won’t get my money back anytime soon, if ever. The damage is estimated at around $4k. What would you do?
File with your insurance. They’ll reach out to the other guy’s insurance, find out it’s lapsed, and treat it like an uninsured driver claim. They’ll fix your car and probably sue the guy later. Let them deal with it.
Oakes said:
Here’s the situation… My brand new car was rear-ended, and there’s a police report with the other guy being 100% at fault. But I found out his insurance lapsed because he didn’t pay. The cop didn’t run it to verify at the time. So, when I tried to file a claim, his insurance said they couldn’t help me. I could file with my own insurance, but a few months ago, I had a total loss claim on my previous car. Now, I’m worried that filing another claim might lead to my insurance dropping me. I could also pay for the damage myself and try to get the guy to pay me back, but he’s broke, has no job, and it seems like I won’t get my money back anytime soon, if ever. The damage is estimated at around $4k. What would you do?
Your insurance can send him to collections if he doesn’t pay up.
Oakes said:
Here’s the situation… My brand new car was rear-ended, and there’s a police report with the other guy being 100% at fault. But I found out his insurance lapsed because he didn’t pay. The cop didn’t run it to verify at the time. So, when I tried to file a claim, his insurance said they couldn’t help me. I could file with my own insurance, but a few months ago, I had a total loss claim on my previous car. Now, I’m worried that filing another claim might lead to my insurance dropping me. I could also pay for the damage myself and try to get the guy to pay me back, but he’s broke, has no job, and it seems like I won’t get my money back anytime soon, if ever. The damage is estimated at around $4k. What would you do?
If he was at fault, your insurance will go after him. That’s why you have uninsured motorist coverage.
Oakes said:
Here’s the situation… My brand new car was rear-ended, and there’s a police report with the other guy being 100% at fault. But I found out his insurance lapsed because he didn’t pay. The cop didn’t run it to verify at the time. So, when I tried to file a claim, his insurance said they couldn’t help me. I could file with my own insurance, but a few months ago, I had a total loss claim on my previous car. Now, I’m worried that filing another claim might lead to my insurance dropping me. I could also pay for the damage myself and try to get the guy to pay me back, but he’s broke, has no job, and it seems like I won’t get my money back anytime soon, if ever. The damage is estimated at around $4k. What would you do?
This is exactly what uninsured motorist coverage is for.
Oakes said:
Here’s the situation… My brand new car was rear-ended, and there’s a police report with the other guy being 100% at fault. But I found out his insurance lapsed because he didn’t pay. The cop didn’t run it to verify at the time. So, when I tried to file a claim, his insurance said they couldn’t help me. I could file with my own insurance, but a few months ago, I had a total loss claim on my previous car. Now, I’m worried that filing another claim might lead to my insurance dropping me. I could also pay for the damage myself and try to get the guy to pay me back, but he’s broke, has no job, and it seems like I won’t get my money back anytime soon, if ever. The damage is estimated at around $4k. What would you do?
File the claim. You can shop around for new insurance now, just in case your current provider drops you.
Oakes said:
Here’s the situation… My brand new car was rear-ended, and there’s a police report with the other guy being 100% at fault. But I found out his insurance lapsed because he didn’t pay. The cop didn’t run it to verify at the time. So, when I tried to file a claim, his insurance said they couldn’t help me. I could file with my own insurance, but a few months ago, I had a total loss claim on my previous car. Now, I’m worried that filing another claim might lead to my insurance dropping me. I could also pay for the damage myself and try to get the guy to pay me back, but he’s broke, has no job, and it seems like I won’t get my money back anytime soon, if ever. The damage is estimated at around $4k. What would you do?
How much was your last payout? If it was for an older car with a smaller payout, I wouldn’t worry. But if it was for a newer car, you might have an issue.
Oakes said:
Here’s the situation… My brand new car was rear-ended, and there’s a police report with the other guy being 100% at fault. But I found out his insurance lapsed because he didn’t pay. The cop didn’t run it to verify at the time. So, when I tried to file a claim, his insurance said they couldn’t help me. I could file with my own insurance, but a few months ago, I had a total loss claim on my previous car. Now, I’m worried that filing another claim might lead to my insurance dropping me. I could also pay for the damage myself and try to get the guy to pay me back, but he’s broke, has no job, and it seems like I won’t get my money back anytime soon, if ever. The damage is estimated at around $4k. What would you do?
How much was your last payout? If it was for an older car with a smaller payout, I wouldn’t worry. But if it was for a newer car, you might have an issue.
Oakes said:
Here’s the situation… My brand new car was rear-ended, and there’s a police report with the other guy being 100% at fault. But I found out his insurance lapsed because he didn’t pay. The cop didn’t run it to verify at the time. So, when I tried to file a claim, his insurance said they couldn’t help me. I could file with my own insurance, but a few months ago, I had a total loss claim on my previous car. Now, I’m worried that filing another claim might lead to my insurance dropping me. I could also pay for the damage myself and try to get the guy to pay me back, but he’s broke, has no job, and it seems like I won’t get my money back anytime soon, if ever. The damage is estimated at around $4k. What would you do?
I don’t see why your insurance would drop you if it’s proven to not be your fault. Just report it and let them handle it.
Oakes said:
Here’s the situation… My brand new car was rear-ended, and there’s a police report with the other guy being 100% at fault. But I found out his insurance lapsed because he didn’t pay. The cop didn’t run it to verify at the time. So, when I tried to file a claim, his insurance said they couldn’t help me. I could file with my own insurance, but a few months ago, I had a total loss claim on my previous car. Now, I’m worried that filing another claim might lead to my insurance dropping me. I could also pay for the damage myself and try to get the guy to pay me back, but he’s broke, has no job, and it seems like I won’t get my money back anytime soon, if ever. The damage is estimated at around $4k. What would you do?
I don’t see why your insurance would drop you if it’s proven to not be your fault. Just report it and let them handle it.
If the original poster has collision coverage (and they likely do since it’s a new car), there shouldn’t be a problem.
Oakes said:
Here’s the situation… My brand new car was rear-ended, and there’s a police report with the other guy being 100% at fault. But I found out his insurance lapsed because he didn’t pay. The cop didn’t run it to verify at the time. So, when I tried to file a claim, his insurance said they couldn’t help me. I could file with my own insurance, but a few months ago, I had a total loss claim on my previous car. Now, I’m worried that filing another claim might lead to my insurance dropping me. I could also pay for the damage myself and try to get the guy to pay me back, but he’s broke, has no job, and it seems like I won’t get my money back anytime soon, if ever. The damage is estimated at around $4k. What would you do?
I don’t see why your insurance would drop you if it’s proven to not be your fault. Just report it and let them handle it.
Yeah, I’ve got that coverage, so I shouldn’t have any issue. It’s just really frustrating that it could lead to higher premiums or losing coverage due to too many claims.
