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NightDragon
6th Grade UsernameRegistered User regular
6th Grade UsernameRegistered User regular
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Yes, her insurance will pay for the damage to your car. Technically your insurance will pay for it up front, then they'll go after hers for reimbursement.
My instinct here would be to tell your insurance, since she already admitted fault and you weren't even present when it happened. Others might say differently, but I feel like you don't want to fuck around when it comes to your car. Removing scrapes and repainting can be surprisingly expensive even if it's all that's required in this case.
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Record as much as you can remember. Date/time/where you were etc. Since there's no police report/ticket there's not going to be an official record if this somehow comes back to bite you in the future, so it'll be good to record the details while they're fresh in your mind.
Paint can be surprisingly expensive to get cleaned since the body shop will have to match not the original color of the paint, but the paint as it is now after however many years of exposure. There may also be some internal damage necessitating the replacement of the body panel. You'll want to speak with your insurance provider and see if they have a preferred body shop near you where you can get an estimate done to have it repaired, or if you prefer, ask if they'll just write you a check for the repair. Then get it repaired or just live with a car with a bit more character and an insurance check.
Don't wait on it though. The sooner you get it started, the sooner it all gets resolved and the less likely her (or your) insurance will come up with some reason not to cover it.
You may also want to get the alignment on it checked. A straight on impact shouldn't be too bad, but from the picture it looks like this impact was from the side which can cause some issues if it was hard enough.
Though the paint damage probably to get that repaired is $500-1000 for that (doesn't look super deep). Your insurance company will probably repair on their own dime at the moment if you push them hard enough then they'll go after hers for the repair too. Your insurance will have a preferred list of shops (might be illegal in your state for them to force you to use one of theirs), so, it might not help to get estimates.
I don't think you're looking at anything mechanical though, so that's good at least.
E: (I overestimated that paint repair ... it probably won't be more than 300 tbh)
You don't HAVE to call your insurance company. Do you know your coverages and deductible? There's a chance that this damage won't meet what your deductible is, and despite what they'll tell you, claims (regardless if you're a fault or not) can affect your premiums.
From what you described, it sounds like the other driver was pretty open. Did you get her insurance info? Name, insurance company, policy, etc. If so, I would start out by reaching out to them. If she did already call them and described the accident just like you mentioned, there should already be a claim set up. From there, they will likely either send someone out to see your car, or tell you to take to a body shop for an estimate and go from there.
I am eternally thankful that this already seems to be going so smoothly, hah.
This was my thinking too - I just wasn't sure if everything could be handled through their insurance in this particular case or not. Also I haaaaate the idea that my own insurance rate may suffer because somebody else was negligent, when my car was just sitting there perfectly-parked in a parking lot (as noir_blood was saying).
You'll probably be fine.
The laws on fault and premium increases differ from state to state, and there's a lot of contradictory information online.
The important thing here is that you weren't driving at the time. From the sound of it, you were parked safely and legally. In general this type of accident won't affect your premiums, even in so-called "no fault" states.
the "no true scotch man" fallacy.
I looked up some local auto body shops and it looks like there's a really highly-rated one within walking distance which is great, so I'll be heading over there at some point within the next day or two to get this sorted.
that is cheap. i had some minor damage and scrapes from getting rear ended and it was like 3.5K
Not based on this appraisal. It's itemized, and it's got ~$50 for parts (looks like masks, mostly, for the paint job), Body Labor $312, Paint Labor $344, and Paint Supplies $206.
There's a micro dent on the side panel (by the upper scrapes) where it meets the bumper, but that appears to be the only body damage. Assuming the structure of the bumper is sound once they remove it and take a look, replacing the bumper seems like overkill, no?
Should I wait on this until I've given my car to the repair place and gotten an estimate from them, to make sure the appraisal amount covers the repair place's estimate? In the off-chance it's higher, I figure it will be harder to deal with if I've already been cut a check.
Bring the appraisal with you and see if they agree with it.
Thirding this.
If at all possible, have the repair shop deal directly with the insurance people to save yourself the stress of them discovering that the estimate they provided was short by $Texas.
Fortunately, the times I've had to bring my car in for body work it was to one of the shops that dealt with my insurance provider regularly, so both of them knew the procedures to get the money stuff done.
Because looking at the final amount of the repair and comparing it to the initial appraisal... there was a minor heart attack in difference between the two last time I took a car in. I still got away with only paying my deductible though, so I was... well, not thrilled, but a lot happier than I would have been had I gotten a check for the damage then gotten it repaired.
I'm sure ND knows how to read.
I learned this after my car got egged in high school and the perpetrators had to pay thousands in damages because every panel of the car needed new paint because they had chipped to the metal in small spots everywhere. It sounds like a good estimate to me, ND, but yeah, definitely take it to a shop yourself and have them mess with insurance.
And I would write down the name of the police officer who was there, if you remember their name. You don't know if the other person might be a jerk via insurance so you might need a police report to make things easier.
Huh, the last time I got rear ended they replaced the entire bumber + painting and it was roughly your quoted number, that's why I thought that. But the actual surface damage to my bumper was less than yours too, so... IDK!
they looked at your car for an appraisal but didn't bother to clear the salt?!
that's weird
congrats on the $$$$!
I probably wouldn't even notice this damage without ND's guide there.
well they probably just assumed since it was minor it would be a repaint and patch as opposed to a full replace
You can see the bumper itself around the 3:04-3:09 mark.
Agent " Ok we'll just cut 4k$ for the wage loss, should cover it right?"
I wanted him to do all my paycheque math in the future somehow