Car Accident, No police Report
I was involved in an accident today. It was a fender bender. There was no damage to other persons car. She claimed there was on side of her car however, I hit her bumper! That was it. We exchanged phone numbers and insurance and she asked for my drivers license number which I gave her. We never called the police and made a report. She was turning right at and I was behind her. She went to go and then changed her mind and abruptly stopped. I had started to go and I hit her bumper. She called my insurance and I talked to them, told them that it was not my fault. I also noticed I had a little bit of bumper damage inside the groves on the very very bottom of my bumper which I had not noticed before. My agent said that I would not have to pay for their car since I have insurance, just for damages on my car if I wanted to pay deductible and fix them.
I got some legal advice from a friend that is a cop and he said to get 3 estimates from them and see if its less than my deductible so my insurance does not go up and its not reported. My deductible is $250. My car needs front bumper work and I got this woman that said her car was dented in on the side, which was not even in the accident. She claims it was bent in, that her car got bent in where it was hit, I don't know what she is trying to do. I hit her fender and I have a very small car that would not of reached the side of hers. We discussed her bumper and she said you didn't see that my car was bent in. I don't know what she is trying to do and I'm afraid of being in any legal nasty situations, if she tries to sue me for anything. Again there was no police report. What should I do to resolve this painlessly and legally. Im a single mom with a young child and I can't afford to be sued. Please help. Very stressed!
Comment on Wondergirl's post
Im with Progressive. She actually has State Farm. She said it was expired and that she just renewed it today? Not sure about her coverage start on that. I think it is right after you pay for it, but I'm not 100% on that.
Comment on ballengerb1's post
Yeah her damage was about midway up her car on the left side and it was much higher than my car is. She also had a tire on the back of her car which I would think would have stopped the impact some. It was not a hard hit. I was going probably 5mph
Comment on Wondergirl's post
Yes I have pictures that I took, also so that should help. I go through allied insurance that goes through progressive. It's a small town of smaller businesses, but they do branch out. I told my agent what happened. So he knows
Comment on Wondergirl's post
I had said I wanted to work it out just me and her. I wanted her to get 3 estimates , hopefully she just does her bumper, I do not see how I would have causedher the side damage to her car since it is much higher up, its like an SUV style care she has
Comment on Fr_Chuck's post
Yeah the police needed to be there, however she said she was in a huge hurry, on the way to the airport and she couldn't wait for police or she would miss her plane. She left the scene of the accident entirely.
Comment on Fr_Chuck's post
Of course after she got my insurance information, then she flew out fast
Comment on JudyKayTee's post
Wow people will do anything to get a buck! One scratch and thousands of dollars!! HAha. I think I will just let insurance take care of the whole mess. Like I said nothing is really wrong with her car however she wanted to get extra so she can try
Comment on JudyKayTee's post
Comment on Fr_Chuck's post
If u don't mind me asking, did you file this with your insurance or was it expired? Im turning this over to insurance I'm assuming that it is covered. Anyone know?