I had a car bump into my rear while what do i do next insurance of his wont pay??

picking up my child at school an some guy bumped into me trying to squeeze his big black truck into the line he bumped my vechile and then picked up his kid and left i tried to get ahold of him yelling and stuff but i just got his license plate number and car make an everything , i filed with the police , there is black marks that wont come off and some paint off. his insurance wotn take liabilty for it ,, he said they are saying they didnt do it , well my car is red and there is no paint on his vechile so they say he didnt do it, whatever i was in the car i was last in line an a white school bus in fornt of me so noone could see me in the back to have a witness but i jumped out of the vechile when i felt the bump ,,, so now what im lost !!!!! they need to pay for what they did its just not right to hit a car an leave !!! id go to jail for it y doesnt he..

You put the claim in on YOUR policy, or you sue him in small claims court.

claim under your insurance policy. your insurance company can try to get his insurance company to take on the liability. if they will, your company can subrogate to get paid back from them. if they dont, you can sue him and try to get paid for the claim

Lets put the shoe on the other foot for a minute:

A driver calls your insurance company and claims you hit them in the pick up line at school and there is damage to their car. The insurance company takes a statement from them getting their side of the story.

You say you were never involved in anything and did not hit anyone. The insurance company gets a statement from you getting your side of the story.

Insurance company comes out and looks at your car. Their is no damage - no paint transfer. No evidence your car was ever involved in anything.

There is no witness.

The police report does not really say whose fault it is. Just that the other driver claimed her car was hit. There is a good chance that after the police saw no damage to your car, they did not even list you on the report.

In the end - all the insurance company has is your word and their word and nothing to brake the tie.

Why should your insurance company take the other person's word over you and pay for their car? Why is their word better then the word of the premium paying customer - you?

If all it took was someone just calling in and no other evidence to support - I could go the the mall parking lot - write down a tag number and year/make of any car in the parking lot and later that day file a report saying that person hit me - even though they did not and they were just a random car I picked out. The reason that scam would not work - is the police will talk to the other driver who will deny involvement, the other driver will have no damage and I have nothing to support my word over theirs. So the other car's insurance company would deny me.

Yes, you can sue him in small claims court. Be aware, that if you do- his insurance company will hire an attorney to defend him. They have to - it's in the policy.

And just because you sue - does not mean you will win. You still have to have more than your word. You still have to have evidence/proof. You say he did - he says he did not - why should a court believe you over him?

Sure you can contact an attorney but no attorney is going to take a pd only case. Their is no money in it for them and their fee will be 1/3 to 1/2 of any settlement or award.

You will have to file a claim with your insurance company under your collision coverage. They will pay for the damage over your deductible.

Or you get some rubbing compound and touch up paint and take the black marks off yourself and touch up paint. Or a local body shop will have a solvent that will take the black marks right off. They may be willing to buff it out for you for a nominal charge.

** not to be taken as legal advice **

Did you get a witness. Obviously, there were plenty of people there that may have witnessed this minor accident esp if you went yelling and running after him. That is your best chance at this point and if you cant do that well..... Welcome to the world and suck it up. Be thankful no one was injured.

First, find out how much it will take to repair it (it s probably not alot). Second, I would write the guy who hit you a letter and tell him what he did is not right and that you are going all the trouble to have the paint analyzed and match it to his car and then you are not only going to get him to pay for the damage and the test itself, but have him arrested for felony hit and run. Either that, or he can just write a check for the damage and go on with his life. My guess is he'll write the check.
If he ignores you, then you need an attorney (he'll be paying for that too) to order him to submit to your analysis.

EMSL Analytical, Inc. www.emsl.com
www.LATesting.com

No, it's not right for them to lie about it. Your only real recourse would be to sue him in small claims court, but you might or might not win since there are no witnesses and it's just your word against his. It stinks, but you are probably stuck for either doing the repairs yourself or paying to have them done.

Ask the officer to charge him with hit and run! If he refuses then ask the DA to charge the officer next!

call your insurance company, they will handle it... if it's just a black mark - you can take it off by using WD-40 it's a spray - it will NOT damage your paint!

depending how bad the mark is, you might have to put a little elbow power in to take it off, but it'll come off

Coming home from work, I stopped behind a car at a roundabout. When it was clear I wrongly assumed thatthe car in front was moving to go also but unfortunaltey they had not. I was doing 2-3 Mph if that, anyway i went into the back of her and we bumped. We pulled over and got out bothe of our cars are dirty, but neither of us couls see anything. However before she went to get back into her car I asked her if she wanted my number just incase, I also checked if she was ok as these things however small are upsetting. We left and all was amicable. but literally 2 mins after i got in my phone was ringing, her partner was on the phone advising that there are scratches on the bumper and he wants to have it resprayed as the car is only 12 weeks old and has only done 3,500 miles. I feel that this can be touched up to a professional level, I would never suggest that it should be a botch job. But he wont have it and is adament that it is re-sprayed, he also said its not worth going through the insurance for this as it will only be 2-3 hundred pounds. I dont know what to do for the best. I think it just needs touching up as the scratches are barely visible and are no more than 1ml long if that. Please can anyone advise me. They havent contacted their insurance or asked for my details and when I said I wanted to go through the insurance he said that it was better to avoid that as it would be easier. I am quite upset myself as I think it doesnt require a full re-spray. The car is a nissan pixo. Please help with advise. Thanks

Enter Your Message or Comment

User Name:
User Email:
Post a comment:

Archive: Forum -Forum -Finance - Links - 1 - 2 - RSS - All RSS Feeds
The Causes and the Results. 0.074
Copyright (c) 2011 Financial Crisis Saturday, February 11, 2012 - Terms of use - Privacy Policy