Morning gentleman,
So as the title states. I’ve got some fantastic luck, particularly with cars It seems. So I’m at home yesterday, first day off in I don’t even remember how long. I made me some tasty mozzarella sticks, about to enjoy a movie and relax with my doggo’s. Get a text from my sister saying she got rear ended. At first I was like ahh man, that’s crappy. If she can text that means she’s gotta be okay enough to send a text message. So I called her and asked if she was okay, then I remember the bomb shell. Guess what she’s driving? Yuuup, you guessed it. My black cobra coupe. Well shit.. so I ask where she is, and have her send me the location. I have to go obviously because it’s my car, and I have the insurance on the car. I get there, the guy who rear ended her claims he didn’t hit her that hard, I must have already had damage to the back of my car, etc. I said look, cops are here already. To which those lovely professionals say, meh. Not our part of town. You’re in city, not county. We shall send someone else. I’m like okay I guess. Hour goes by, my sister calls non emergency. They say, black mustang? Yeah, don’t have anyone to dispatch that to. We will send someone enroute to you soon. Hour and a half goes by. I see the new cop showing up. Nice guy. Grabs our information, and such. Then I overhear him saying I need valid insurance information. My heart just sinks, I’m like you can’t be serious right now. Officer comes back and asks me how I’d like to proceed. He’s got to fill out a report anyway, but if I’d like to go thru insurance he will grab me all of this. I said to be honest depending on how extensive this is I’d like to avoid having an accident on the carfax if it’s just bumper damage. Anyways, he tells me to talk with the guy who hit her. I do, and he keeps his story of I didn’t do this much damage. So I said let’s take a walk and see what damage he’s claiming I had before. So I walk over, his front end clip is broken, his Nissan emblem is broken off, the grill plates are broken. There is an exact circle imprinted in my bumper where the Nissan emblem was. Needless to say he crushed my bumper crash absorber bumper is just moving freely when you push the middle of it, the top side of it is wavy. Nevertheless I said look at the minimum you owe me a bumper and such. He says he wants to go thru insurance. I say okay, as you wish. At this point I’ll just take this car to the most expansive place for paint and such since he wants to be an ass. Officer comes back, cites him for negligence and rear ending her. Guy who hit her says he wants to exchange numbers to get this resolved. I said sure give me yours. This clown gives me a fake number and tries to walk away. I call it immediately. I’m not an idiot, this isn’t my first rodeo. I call him out on it. He gives me the real one now. So I try and relax, I follow my sister home and make sure she’s okay. Car seems to be okay, no strange noises and such. I call progressive and speak with someone on the best avenue to take care of this. Funny part he has progressive too. Anyways, she tells me there Is 3 ways to handle this. 1. I can make a claim straight to his carrier and have them do it. 2. Make a claim on mine, they’ll seek reimbursement for the claim, etc. 3. I can handle it without insurance adjusters. I said he wants to do insurance hence my call. She proceeds to tell me since florida is a no fault state, even though I’m not at fault my rates could go up solely on the fact that If his insurance isn’t good enough, and doesn’t cover all of it. They will have to pay for the rest, and my rates will go up. At this point I’m over it, I hang up and try and think it over. Looking for some insight on how to proceed with this one, roll the dice and make the claim get the car fixed and if insurance goes up it goes up? Or do I seek legal advice and go for the guys insurance caps? Anyways, sorry for the long rant. Stay safe out there gentleman. Thanks In advance.
So as the title states. I’ve got some fantastic luck, particularly with cars It seems. So I’m at home yesterday, first day off in I don’t even remember how long. I made me some tasty mozzarella sticks, about to enjoy a movie and relax with my doggo’s. Get a text from my sister saying she got rear ended. At first I was like ahh man, that’s crappy. If she can text that means she’s gotta be okay enough to send a text message. So I called her and asked if she was okay, then I remember the bomb shell. Guess what she’s driving? Yuuup, you guessed it. My black cobra coupe. Well shit.. so I ask where she is, and have her send me the location. I have to go obviously because it’s my car, and I have the insurance on the car. I get there, the guy who rear ended her claims he didn’t hit her that hard, I must have already had damage to the back of my car, etc. I said look, cops are here already. To which those lovely professionals say, meh. Not our part of town. You’re in city, not county. We shall send someone else. I’m like okay I guess. Hour goes by, my sister calls non emergency. They say, black mustang? Yeah, don’t have anyone to dispatch that to. We will send someone enroute to you soon. Hour and a half goes by. I see the new cop showing up. Nice guy. Grabs our information, and such. Then I overhear him saying I need valid insurance information. My heart just sinks, I’m like you can’t be serious right now. Officer comes back and asks me how I’d like to proceed. He’s got to fill out a report anyway, but if I’d like to go thru insurance he will grab me all of this. I said to be honest depending on how extensive this is I’d like to avoid having an accident on the carfax if it’s just bumper damage. Anyways, he tells me to talk with the guy who hit her. I do, and he keeps his story of I didn’t do this much damage. So I said let’s take a walk and see what damage he’s claiming I had before. So I walk over, his front end clip is broken, his Nissan emblem is broken off, the grill plates are broken. There is an exact circle imprinted in my bumper where the Nissan emblem was. Needless to say he crushed my bumper crash absorber bumper is just moving freely when you push the middle of it, the top side of it is wavy. Nevertheless I said look at the minimum you owe me a bumper and such. He says he wants to go thru insurance. I say okay, as you wish. At this point I’ll just take this car to the most expansive place for paint and such since he wants to be an ass. Officer comes back, cites him for negligence and rear ending her. Guy who hit her says he wants to exchange numbers to get this resolved. I said sure give me yours. This clown gives me a fake number and tries to walk away. I call it immediately. I’m not an idiot, this isn’t my first rodeo. I call him out on it. He gives me the real one now. So I try and relax, I follow my sister home and make sure she’s okay. Car seems to be okay, no strange noises and such. I call progressive and speak with someone on the best avenue to take care of this. Funny part he has progressive too. Anyways, she tells me there Is 3 ways to handle this. 1. I can make a claim straight to his carrier and have them do it. 2. Make a claim on mine, they’ll seek reimbursement for the claim, etc. 3. I can handle it without insurance adjusters. I said he wants to do insurance hence my call. She proceeds to tell me since florida is a no fault state, even though I’m not at fault my rates could go up solely on the fact that If his insurance isn’t good enough, and doesn’t cover all of it. They will have to pay for the rest, and my rates will go up. At this point I’m over it, I hang up and try and think it over. Looking for some insight on how to proceed with this one, roll the dice and make the claim get the car fixed and if insurance goes up it goes up? Or do I seek legal advice and go for the guys insurance caps? Anyways, sorry for the long rant. Stay safe out there gentleman. Thanks In advance.
