GOT HIT!! Need Advice...Insurance people come in! - Zilvia.net Forums | Nissan 240SX (Silvia) and Z (Fairlady) Car Forum

*zerooath* · 08-17-2007, 08:45 PM

Ok so yesterday I was leaving school and the only way to leave my school is to go down this one long road that everybody takes and its usually bumper to bumper at some points but clears up very quick.

It was me and 2 of my friends riding in my car and we're going down the street and this truck ahead of me stops so I begin to stop. Almost as soon as I come to a complete stop I hear tires squeal and then BOOM. As it turns out a 16 year old girl (who i knew) slames into the back of my s14.

I get out of my car and so do my friends and she follows. Nobody is hurt but my car is kinda messed up. When she hit me it caused my car to run into the big ass truck ahead of me and does some bumper damage. My Navan bumper is dented in but none of the lights are broken or headlights and also my hood is a lil fucked up. Then as I go around the back of the car i see the rear end is pretty damn screwed up...I dont have pictures but its definetly messed up but I've seen a lot worse that have been fixed before.

Anyways we call the cops and they tell us we can pick up a copy of the report next monday or tuesday. The girl admitted it was all her fault to the cop and that sorda stuff.

We both have insurance I'm guessing she has full coverage but I only have liability. Her dad owns a tow truck business and towes my car to his place to be looked at by his insurance company and so on.

Well today the girls mom calls my mom and says they do not want to claim it on their insurance and is willing to give us $1500. Well I KNOW for a FACT the damages will cost more than that to fix so now im in a pickle what should I do?

Should I claim it on my insurance? I only have liability though and the accident was nowhere near my fault so will my insurance pay for the damages? Should the girls parents claim it on theirs since it was her fault?

Also If I claim it will it make my insurance go up? I know sometimes it will make it go up even if its not your fault but what are the conditions?

Thanks for any advice this really sucks. Also this is her first wreck and its my 2nd, my first wreck was my fault but this one was not.

08-17-2007, 08:45 PM	#1
zerooath 98 Kouki Slicktop. Tip Dealer! Join Date: Nov 2006 Location: Biloxi, Mississippi! Age: 36 Posts: 359 Trader Rating: (0) Feedback Score: 0 reviews	GOT HIT!! Need Advice...Insurance people come in! Ok so yesterday I was leaving school and the only way to leave my school is to go down this one long road that everybody takes and its usually bumper to bumper at some points but clears up very quick. It was me and 2 of my friends riding in my car and we're going down the street and this truck ahead of me stops so I begin to stop. Almost as soon as I come to a complete stop I hear tires squeal and then BOOM. As it turns out a 16 year old girl (who i knew) slames into the back of my s14. I get out of my car and so do my friends and she follows. Nobody is hurt but my car is kinda messed up. When she hit me it caused my car to run into the big ass truck ahead of me and does some bumper damage. My Navan bumper is dented in but none of the lights are broken or headlights and also my hood is a lil fucked up. Then as I go around the back of the car i see the rear end is pretty damn screwed up...I dont have pictures but its definetly messed up but I've seen a lot worse that have been fixed before. Anyways we call the cops and they tell us we can pick up a copy of the report next monday or tuesday. The girl admitted it was all her fault to the cop and that sorda stuff. We both have insurance I'm guessing she has full coverage but I only have liability. Her dad owns a tow truck business and towes my car to his place to be looked at by his insurance company and so on. Well today the girls mom calls my mom and says they do not want to claim it on their insurance and is willing to give us $1500. Well I KNOW for a FACT the damages will cost more than that to fix so now im in a pickle what should I do? Should I claim it on my insurance? I only have liability though and the accident was nowhere near my fault so will my insurance pay for the damages? Should the girls parents claim it on theirs since it was her fault? Also If I claim it will it make my insurance go up? I know sometimes it will make it go up even if its not your fault but what are the conditions? Thanks for any advice this really sucks. Also this is her first wreck and its my 2nd, my first wreck was my fault but this one was not. __________________