Please advise!

Cowhorn · 10-21-2009, 02:57 PM

I was stopped at a red light yesterday. A car pulled up behind me and stopped. A few seconds later I feel a light impact at the rear of the car. I got out to look at my bumper which was scratched where her license plate holder contacted my car, but it was not cracked or crooked. The driver of the car that rolled into me claimed her foot slipped off the brake. I got all the pertinent personal and insurance info from her. No injuries.

My question is how do I pursue this with her insurance company without my insurance company finding out about it? It won't buff out, so I need to get the bumper resprayed.

Any input is appreciated.

Edgy01 · 10-21-2009, 03:00 PM

Why are you keeping your insurance company out of it? The last I heard that was against the law in many states. Did it hit just the bumperettes, or the entire bumper?

red89 · 10-21-2009, 03:02 PM

I'll bet she was on a cell phone.

PTpeecar · 10-21-2009, 03:23 PM

My question is how do I pursue this with her insurance company without my insurance company finding out about it? It won't buff out, so I need to get the bumper resprayed.

All you need to do is contact her company and tell them you want to file a claim.
That's it....
If they balk, then you call your company.
In my experience, they will be so happy you aren't claiming an injury, they will pay your asap.

Cowhorn · 10-21-2009, 03:28 PM

Quote:

Originally Posted by Edgy01

Why are you keeping your insurance company out of it? The last I heard that was against the law in many states. Did it hit just the bumperettes, or the entire bumper?

I was not at fault, and I don't want my rates to go up over something like this.

Cowhorn · 10-21-2009, 03:28 PM

Quote:

Originally Posted by red89

I'll bet she was on a cell phone.

Yeah, no doubt.

Cowhorn · 10-21-2009, 03:30 PM

Quote:

Originally Posted by PTpeecar

All you need to do is contact her company and tell them you want to file a claim.
That's it....
If they balk, then you call your company.
In my experience, they will be so happy you aren't claiming an injury, they will pay your asap.

Really? That would be fantastic.

stevepow · 10-21-2009, 03:55 PM

Quote:

Originally Posted by Cowhorn

I was stopped at a red light yesterday. A car pulled up behind me and stopped. A few seconds later I feel a light impact at the rear of the car. I got out to look at my bumper which was scratched where her license plate holder contacted my car, but it was not cracked or crooked. The driver of the car that rolled into me claimed her foot slipped off the brake. I got all the pertinent personal and insurance info from her. No injuries.

My question is how do I pursue this with her insurance company without my insurance company finding out about it? It won't buff out, so I need to get the bumper resprayed.

Any input is appreciated.

At least you remembered to get her to model for you with her blouse open.

PTpeecar · 10-21-2009, 03:59 PM

Really.
You have the right to file the claim...she hit you...

Alan Smithee · 10-21-2009, 04:21 PM

Quote:

Originally Posted by stevepow

At least you remembered to get her to model for you with her blouse open.

LOL!

Edgy01 · 10-21-2009, 04:22 PM

A lot of people forget (or don't know) what their own insurance company is paid to do. They subrogate on your behalf. Your collecting of the information on the party is all you need to do, and then simply call your insurance company. They will handle it all. It will fall under her liability. (Nearly 100% of all rear hits work that way). Your insurance rates will not be affected.

Ucube · 10-21-2009, 05:04 PM

Quote:

Originally Posted by Edgy01

A lot of people forget (or don't know) what their own insurance company is paid to do. They subrogate on your behalf. Your collecting of the information on the party is all you need to do, and then simply call your insurance company. They will handle it all. It will fall under her liability. (Nearly 100% of all rear hits work that way). Your insurance rates will not be affected.

I wonder about that, Dan. I was told by a friend in the car insurance business that your insurance rate can go up even if it weren't your fault. One of the factors is your likelihood of involving in an accident. If the probability is high, then there's a greater chance of you getting hit by an uninsured motorist. That results in a claim against your insurance company, even though it isn't your fault.

mhm993 · 10-21-2009, 06:05 PM

Here's what I did. i called my agent and told him I might be making a claim for an incident that had occurred. I then called the other person's insurance co, and told them the info, following up with the forms they sent me. They additionally asked me to speak to them on a recorded line, to help determine the cause, which I did. A few days later they asked me to have my car available to their adjuster, and they paid the claim in full, without any deductible.

I had just come to a stop on a small street, signaling that I was about to turn into a steep driveway. The other person passed me on the grassy shoulder as she hit me. Her insurer told me that they couldn't get a straight story out of her, and I offered a consistent and verifiable version of the incident.

The annual free claim summary--yes there's a free service like the free annual credit inquiry--shows the incident occurred and that my insurer had zero liablilty.

In the past, when I waited for my insurer to subrogate, they invariably failed to find that the claim was 100% the other person's fault, and I never received my deductible--and why would I think they would spend money or effort to argue about something that came out of MY pocket instead of theirs, feckless, greedy whores that they are? That's why I took the short route to her insurer.

Just my two cents. Take the advice of your own professionals on this and all matters.

Coochas · 10-21-2009, 06:12 PM

Sorry to hear that you took one in the rear Jim.
I feel your pain: I scraped my own quarter panel using the Cayenne as a blunt object and had the panel resprayed. Good as new and so will your RB beauty.

chuckla · 10-21-2009, 06:52 PM

Cowhorn-I'm in the same boat. A military attache car from the Indonesia Embassy rear ended me-light damage. Thug driver then followed me for about 10 miles, but that's a different story. Lied about their insurer but I finally got to the right one. Now insurer can't interview the driver because he was probably sent back. If those thugs dont stop this, will turn it over to my insurer. Rear ender not my fault, but no witnesses other than my bumperette!!!!

10-21-2009, 02:57 PM	#1
Cowhorn User Join Date: Oct 2005 Posts: 979	Please advise! I was stopped at a red light yesterday. A car pulled up behind me and stopped. A few seconds later I feel a light impact at the rear of the car. I got out to look at my bumper which was scratched where her license plate holder contacted my car, but it was not cracked or crooked. The driver of the car that rolled into me claimed her foot slipped off the brake. I got all the pertinent personal and insurance info from her. No injuries. My question is how do I pursue this with her insurance company without my insurance company finding out about it? It won't buff out, so I need to get the bumper resprayed. Any input is appreciated.

10-21-2009, 03:00 PM	#2
Edgy01 Poseur Rennlist Member Join Date: Nov 2005 Location: Santa Barbara, CA Posts: 10,327	Why are you keeping your insurance company out of it? The last I heard that was against the law in many states. Did it hit just the bumperettes, or the entire bumper? __________________ Dan 06 997S PCCB Hard-Top Cabrio Turq. Blue, Nat. Brn Leather http://www.rennteam.com/photopost/sh...00&ppuser=8756

10-21-2009, 04:22 PM	#11
Edgy01 Poseur Rennlist Member Join Date: Nov 2005 Location: Santa Barbara, CA Posts: 10,327	A lot of people forget (or don't know) what their own insurance company is paid to do. They subrogate on your behalf. Your collecting of the information on the party is all you need to do, and then simply call your insurance company. They will handle it all. It will fall under her liability. (Nearly 100% of all rear hits work that way). Your insurance rates will not be affected. __________________ Dan 06 997S PCCB Hard-Top Cabrio Turq. Blue, Nat. Brn Leather http://www.rennteam.com/photopost/sh...00&ppuser=8756

10-21-2009, 06:05 PM	#13
mhm993 Addict Rennlist Member Join Date: Jun 2005 Location: Schattenbaum/MNY Regions Posts: 952	Here's what I did. i called my agent and told him I might be making a claim for an incident that had occurred. I then called the other person's insurance co, and told them the info, following up with the forms they sent me. They additionally asked me to speak to them on a recorded line, to help determine the cause, which I did. A few days later they asked me to have my car available to their adjuster, and they paid the claim in full, without any deductible. I had just come to a stop on a small street, signaling that I was about to turn into a steep driveway. The other person passed me on the grassy shoulder as she hit me. Her insurer told me that they couldn't get a straight story out of her, and I offered a consistent and verifiable version of the incident. The annual free claim summary--yes there's a free service like the free annual credit inquiry--shows the incident occurred and that my insurer had zero liablilty. In the past, when I waited for my insurer to subrogate, they invariably failed to find that the claim was 100% the other person's fault, and I never received my deductible--and why would I think they would spend money or effort to argue about something that came out of MY pocket instead of theirs, feckless, greedy whores that they are? That's why I took the short route to her insurer. Just my two cents. Take the advice of your own professionals on this and all matters. __________________ Marc Mhm993@comcast.net Qualified to instruct in 138 pca regions, but not MNYR??? 2006 Club Coupe (#3 of 50) 2003 Guards Red 986 S 1995 Guards Red 993 #85 1992 SSM -- Mindy's SCCA ride #01 1995 Midnight Blue 993--RIP

10-21-2009, 06:12 PM	#14
Coochas Banned For Life.... Rennlist Member Join Date: Feb 2005 Location: Cambridge, MA Posts: 5,504	Sorry to hear that you took one in the rear Jim. I feel your pain: I scraped my own quarter panel using the Cayenne as a blunt object and had the panel resprayed. Good as new and so will your RB beauty. __________________ Coochas aka Dave \|-Cayenne TitS Ed Purrrr Red\|-'99 Spec Boxster Black\| -'09 997 TT RS Orange -Check out my p-car e-brochure collection -997 Emergency Procedures Mobile Website

10-21-2009, 03:02 PM	#3
red89 User Join Date: Jan 2006 Posts: 267	I'll bet she was on a cell phone.

10-21-2009, 03:23 PM	#4
PTpeecar Super User Join Date: May 2001 Location: Philadelphia,Pa Posts: 4,314	My question is how do I pursue this with her insurance company without my insurance company finding out about it? It won't buff out, so I need to get the bumper resprayed. All you need to do is contact her company and tell them you want to file a claim. That's it.... If they balk, then you call your company. In my experience, they will be so happy you aren't claiming an injury, they will pay your asap.

10-21-2009, 03:59 PM	#9
PTpeecar Super User Join Date: May 2001 Location: Philadelphia,Pa Posts: 4,314	Really. You have the right to file the claim...she hit you...

10-21-2009, 06:52 PM	#15
chuckla Addict Rennlist Member Join Date: Dec 2004 Location: DC Metro Posts: 210	Cowhorn-I'm in the same boat. A military attache car from the Indonesia Embassy rear ended me-light damage. Thug driver then followed me for about 10 miles, but that's a different story. Lied about their insurer but I finally got to the right one. Now insurer can't interview the driver because he was probably sent back. If those thugs dont stop this, will turn it over to my insurer. Rear ender not my fault, but no witnesses other than my bumperette!!!! __________________ 2006 C4S Cab Guards Red/Black/Sand Beige RIP: 2003 C4S Guards Red/Black 1995 C2 Arctic Silver/Red 1993 968 Black/Black (many kid-friendly cars in-between) 1970 911T Red/Black 1967 912 Green/Black