My 68 mustang just got f^cking hit! Need advice. - Zilvia.net Forums | Nissan 240SX (Silvia) and Z (Fairlady) Car Forum

*downshift_sideways* · 12-02-2007, 03:23 PM

So I was here, sitting in my room. Listening to music, and I hear tires screeching I look out my window, and I see this nissan altima skidding towards my mustang.The kids car was totally fucked up. His hood was dented inward, bumper was mis alligned and his headlights were smashed in. My car however took the impact. (Yay for old american beefy cars!)The rear QP was cracked, bumper was slight mis alligned, and alot of scratches under the bumper. Everything else was Okay.

Now..I do not have insurance on that car. I just got rid of my insurace a few weeks ago, because I was planning on selling the car. The 18 year old kid, that was driving the nissan said he just got his license a few weeks ago, and said that "everything is okay, I have full coverage on the car"...

Well...I take a few pics of my cars damage and his cars damage.
(cant upload them, because didnt pay my phone bill) Apparently that kid lives a few streets over from me. I wrote down his license and all his info.

10 Mins shortly after the accident his mom comes, and says she does deal with this by cash, and not going through insurance.

I tried calling the police, to make a non-emergency report, but when I got to them. They said they can only come if the other party was hostile about the situation. WTF?

I wrote down all her info and his info, and contact number....

Now, I've never been through this shit, so what are my options?

maxgohan · 12-02-2007, 03:33 PM

take the cash and fix the car, since you have no insurance...

SiI40sx · 12-02-2007, 03:34 PM

You'll be fucked since you have no insurance, just take the cash.

kvahag · 12-02-2007, 03:35 PM

Quote:

Originally Posted by SiI40sx

You'll be fucked since you have no insurance, just take the cash.

this is the route i'd take.

lflkajfj12123 · 12-02-2007, 03:38 PM

yeah you got lucky she wants to pay cash

you should estimate the cost and ask her for the money instead of taking time to check out how much the repairs would cost and her end up flaking on you

*downshift_sideways* · 12-02-2007, 03:41 PM

The thing is the parts and repair for the mustang is going to be around $4000. I'm going to 3 different body shops tomorrow to get estimates. Later in the evening I will be going to their house to talk with the guy's dad.

RiversideS13 · 12-02-2007, 03:41 PM

if i remember correctly, the party with no insurance is lose by default.

ayuaddict · 12-02-2007, 03:41 PM

i hope she knows what its worth or you are going to have a problem.

but i suppose everybody knows a 60s mustang when they see one.

try to get insurance on it asap. most places allow you to purchase insurance online.

but provided with the situation, the lady will be reluctant to go through insurance since her insurance will go up like crazy. be sure to NOT mention you didnt have insurance on the car

better safe than sorry however.

NINJASPY · 12-02-2007, 03:42 PM

since there was no police report.... they(insurance or driver) can just deny your claim and say they never crashed into you at all.(dont say it cant happen because it did to me) TAKE PICS of your car and thier car. And make sure they want to pay you. Try to get things moving asap before they try to pull a fast one. Dont deal with their insurance company unless you want wait or have a chance that they can counter sue you saying that your car isnt insured and not street legal etc etc....,, were you parked in the street or your driveway?

you best bet is to talk to the moms and tell her you are going to get a estimate on repairs and if she has any objections or wants to be there or get her mechanic/body man to check it out. get estimate, give to her, negotiate a settlement.... and I believe you have 10(?) days to report an accident? not sure.... on that.... BUT if you dont settle by then you need to report it to their insurance before its too late and they deny thier/your claim because its passed the deadline....

YEAH GOOD LUCK MAN

*downshift_sideways* · 12-02-2007, 03:53 PM

Umm..

Thanks for the advice fella's.

So today all the body shops are closed..so I cant get a cost today.

I'm going to make some sort of documentation and have them sign it, saying they will be paying XXXX.XX amount of cash. and yada yada.

The car was parked on the street outside my house for the record.

SW20Racer · 12-02-2007, 03:59 PM

hand them a piece of paper that simply states "i will pay for all repair costs" smoove talk them into signing it and be done with it. if they KNOW how much to expect to pay it might be a detriment to them agreeing. if you get a signature then present a bill, and they refuse hello court.

Daniel. · 12-02-2007, 04:00 PM

I don't believe it matters if you have no insurance?

Correct me if I'm wrong, but the party at fault is going to be liable for the damages and as long as the kid has full coverage, his insurance should be paying for the entire thing.

I've never dealt with this myself, but don't they just send an adjuster out to look at your car, and cut you a check? Or don't you just provide them with an estimate of the damages and they cut you a check?

2f2fLOL · 12-02-2007, 05:00 PM

Even if you don't have insurance, you should be fine. If you decide to take it to the insurance company, they should still pay out. From my experience, they are still at fault and still will have to pay. I'm an insurance agent for one of the top three companies here in California, and I will double check with some of the adjusters in town to double check.

silviaz · 12-02-2007, 05:16 PM

you car was in the street WITHOUT INSURANCE. It's YOUR fault now. She can say she wont pay and you are fucked. This is just stupid to let a 67 mustang without insurance just to save a coupe of bucks.

you can say you are owned on every points.

silviaz · 12-02-2007, 05:18 PM

Quote:

Originally Posted by 2f2fLOL

Even if you don't have insurance, you should be fine. If you decide to take it to the insurance company, they should still pay out. From my experience, they are still at fault and still will have to pay. I'm an insurance agent for one of the top three companies here in California, and I will double check with some of the adjusters in town to double check.

how can you insure a car that wasn't covered ?? In your state if you do an accident your company pay the 2 damaged cars ???

89dc240 · 12-02-2007, 05:25 PM

He said he was selling the car thats why there was no insurance on it. The parking it on the street thing blows, at least around here, they just randomly check cars that sit on the street for insurance coverage, and sticker it if its not covered.

My advice, if they deny... get the estimates, get the pics of his car ASAP, go see Judge Judy. Or Joe Brown, or any of your choice of TV judges.

s13Dr1ft · 12-02-2007, 05:41 PM

You better hope she is cool with whatever you tell her the body shop says.
You shouldnt have had the car parked on the road without the insurance, thats just stupid and illegal.

good luck

allntrlundrgrnd · 12-02-2007, 05:55 PM

dont know your local laws but in my area its illegal to own a car w/o insurance

*downshift_sideways* · 12-02-2007, 05:58 PM

Quote:

Originally Posted by s13Dr1ft

thats just stupid and illegal.

About 50,000 Other cars in california are parked on the streets w/o insurance.
Thanks for your input, but its not needed here.

cc4usmc · 12-02-2007, 06:19 PM

wtf is up with all the accidents on zilvia? Hope you get the problem resolved.

Quote:

Originally Posted by s13Dr1ft

stupid and illegal.

good luck

You say it like he's committing a heinous crime. Lay off.

*downshift_sideways* · 12-02-2007, 06:45 PM

I guess we all have the s/z chasis curse or something lol.

I'm heading over to their house at 7pm.

s13Dr1ft · 12-02-2007, 06:54 PM

Quote:

Originally Posted by cc4usmc

wtf is up with all the accidents on zilvia? Hope you get the problem resolved.

You say it like he's committing a heinous crime. Lay off.

You kids need to breathe and not take things out of context.

Lets say he was driving the car and the same thing happened...cop shows up. Just because the kid hit him doesnt make him in the clear.
Your car was on public road and was in an accident. Im stating the fact that in all 50 states it is illegal to have a vehicle on the streets with out insurance at any time.

As i said before, You ARE lucky she wants to handle this outside of insurance. You would have a hell of a time trying to get anything taken care of if it went that route.

If that is hard for you to understand, i can get my girl to break it down since she is an insurance agent for ya.

This is a public forum, it is not your place to tell me where my input is needed.
Good luck

motorsnail · 12-02-2007, 08:10 PM

Quote:

Originally Posted by s13Dr1ft

You kids need to breathe and not take things out of context.

Lets say he was driving the car and the same thing happened...cop shows up. Just because the kid hit him doesnt make him in the clear.
Your car was on public road and was in an accident. Im stating the fact that in all 50 states it is illegal to have a vehicle on the streets with out insurance at any time.

As i said before, You ARE lucky she wants to handle this outside of insurance. You would have a hell of a time trying to get anything taken care of if it went that route.

If that is hard for you to understand, i can get my girl to break it down since she is an insurance agent for ya.

This is a public forum, it is not your place to tell me where my input is needed.
Good luck

I have gotten into a wreck (with my lisence suspended and no insurance) in a wallgreens parking lot cops came took me to jail for driving with no ID or insurance but lady still had to pay my damage she was at falt could have been a child or somthing. In his case its a 60s mustang he doesnt drive so it would hold on his side in court. Falt is Falt thats why I still went to jail and she still had to pay for what she did. Big insurance company will just settle on somthing like this its a 60s mustang he could say his grandpa owned it or somthing then its worth the world not just $4000.

The system isnt there to screw you remember that.

qwikspool · 12-02-2007, 08:12 PM

sorry to hear about it. you should take the cash.

Daniel. · 12-02-2007, 08:35 PM

Quote:

Originally Posted by s13Dr1ft

You kids need to breathe and not take things out of context.

Lets say he was driving the car and the same thing happened...cop shows up. Just because the kid hit him doesnt make him in the clear.
Your car was on public road and was in an accident. Im stating the fact that in all 50 states it is illegal to have a vehicle on the streets with out insurance at any time.

As i said before, You ARE lucky she wants to handle this outside of insurance. You would have a hell of a time trying to get anything taken care of if it went that route.

If that is hard for you to understand, i can get my girl to break it down since she is an insurance agent for ya.

This is a public forum, it is not your place to tell me where my input is needed.
Good luck

Even if it's a registered as a PNO? Not trying to be an ass, just asking because I don't know.

projekt_s13 · 12-02-2007, 08:50 PM

wow paul, that sucks.
Was it that dark grey or gunmetal altima?
If it was,then yesterday after i left your house that faggot almost hit me.
Fucken noob drivers.

*downshift_sideways* · 12-02-2007, 11:06 PM

Quote:

Originally Posted by projekt_s13

wow paul, that sucks.
Was it that dark grey or gunmetal altima?
If it was,then yesterday after i left your house that faggot almost hit me.
Fucken noob drivers.

Yup that same fucking gunmetal nissan altima.

I'm going to milk his ass for cash...:hammer:

RiversideS13 · 12-02-2007, 11:27 PM

Quote:

Originally Posted by Daniel.

Even if it's a registered as a PNO? Not trying to be an ass, just asking because I don't know.

i think as long as it is uninsured, you should not have it on public road.

ESmorz · 12-02-2007, 11:41 PM

Who hits parked cars on residential streets?

B18C5MK1 · 12-03-2007, 12:40 AM

i got rear ended on the freeway and i didnt have insurance... we didnt do a police report either. his car was totaled. his insurance paid for my car to get fixed as well as my medical bills.

this was about 2 years ago... back before the "insurance law" came in affect though. so im not sure how it would be handled now... call up your agent on your nissan and tell ask them a "what if" scenario... or if you trust your agent (mine i know personally as we live in the same town for 10+ years) just tell him/her what happened and what would be the best thing for you to do. its too late for them to sell you insurance on the 'stang, but they shouldnt have a problem giving you advice.

12-02-2007, 03:23 PM	#1
downshift_sideways No Limit Soldier. Join Date: Jan 2006 Location: Hayward CA, San Gabriel CA Age: 38 Posts: 5,550 Trader Rating: (0) Rides Gallery: downshift_sideways Feedback Score: 0 reviews	My 68 mustang just got f^cking hit! Need advice. So I was here, sitting in my room. Listening to music, and I hear tires screeching I look out my window, and I see this nissan altima skidding towards my mustang.The kids car was totally fucked up. His hood was dented inward, bumper was mis alligned and his headlights were smashed in. My car however took the impact. (Yay for old american beefy cars!)The rear QP was cracked, bumper was slight mis alligned, and alot of scratches under the bumper. Everything else was Okay. Now..I do not have insurance on that car. I just got rid of my insurace a few weeks ago, because I was planning on selling the car. The 18 year old kid, that was driving the nissan said he just got his license a few weeks ago, and said that "everything is okay, I have full coverage on the car"... Well...I take a few pics of my cars damage and his cars damage. (cant upload them, because didnt pay my phone bill) Apparently that kid lives a few streets over from me. I wrote down his license and all his info. 10 Mins shortly after the accident his mom comes, and says she does deal with this by cash, and not going through insurance. I tried calling the police, to make a non-emergency report, but when I got to them. They said they can only come if the other party was hostile about the situation. WTF? I wrote down all her info and his info, and contact number.... Now, I've never been through this shit, so what are my options? __________________ allntrlundrgrnd: "you never really appreciate your parents fridge until you look into your own and its full of condiments only"

12-02-2007, 03:41 PM	#6
downshift_sideways No Limit Soldier. Join Date: Jan 2006 Location: Hayward CA, San Gabriel CA Age: 38 Posts: 5,550 Trader Rating: (0) Rides Gallery: downshift_sideways Feedback Score: 0 reviews	The thing is the parts and repair for the mustang is going to be around $4000. I'm going to 3 different body shops tomorrow to get estimates. Later in the evening I will be going to their house to talk with the guy's dad. __________________ allntrlundrgrnd: "you never really appreciate your parents fridge until you look into your own and its full of condiments only"

12-02-2007, 03:53 PM	#10
downshift_sideways No Limit Soldier. Join Date: Jan 2006 Location: Hayward CA, San Gabriel CA Age: 38 Posts: 5,550 Trader Rating: (0) Rides Gallery: downshift_sideways Feedback Score: 0 reviews	Umm.. Thanks for the advice fella's. So today all the body shops are closed..so I cant get a cost today. I'm going to make some sort of documentation and have them sign it, saying they will be paying XXXX.XX amount of cash. and yada yada. The car was parked on the street outside my house for the record. __________________ allntrlundrgrnd: "you never really appreciate your parents fridge until you look into your own and its full of condiments only"

12-02-2007, 04:00 PM	#12
Daniel. Post Whore! Join Date: Feb 2003 Location: San Jose, CA Age: 40 Posts: 3,713 Trader Rating: (0) Rides Gallery: Daniel. Feedback Score: 0 reviews	I don't believe it matters if you have no insurance? Correct me if I'm wrong, but the party at fault is going to be liable for the damages and as long as the kid has full coverage, his insurance should be paying for the entire thing. I've never dealt with this myself, but don't they just send an adjuster out to look at your car, and cut you a check? Or don't you just provide them with an estimate of the damages and they cut you a check? __________________

12-02-2007, 05:41 PM	#17
s13Dr1ft Zilvia Addict Join Date: Sep 2003 Location: Indiana Age: 41 Posts: 772 Trader Rating: (0) Feedback Score: 0 reviews	You better hope she is cool with whatever you tell her the body shop says. You shouldnt have had the car parked on the road without the insurance, thats just stupid and illegal. good luck __________________ 1991 hatch Drift Indy

12-02-2007, 03:33 PM	#2
maxgohan Leaky Injector Join Date: May 2007 Location: Toronto Age: 39 Posts: 117 Trader Rating: (0) Feedback Score: 0 reviews	take the cash and fix the car, since you have no insurance...

12-02-2007, 03:34 PM	#3
SiI40sx BANNED Join Date: Mar 2006 Location: Bass bumpin, mind trippin Age: 38 Posts: 3,394 Trader Rating: (0) Rides Gallery: SiI40sx Feedback Score: 0 reviews	You'll be fucked since you have no insurance, just take the cash.

12-02-2007, 03:38 PM	#5
lflkajfj12123 Join Date: Apr 2007 Location: 　　　　　　　　 Posts: 8,483 Trader Rating: (20) Feedback Score: 20 reviews	yeah you got lucky she wants to pay cash you should estimate the cost and ask her for the money instead of taking time to check out how much the repairs would cost and her end up flaking on you

12-02-2007, 03:41 PM	#7
RiversideS13 Zilvia FREAK! Join Date: Sep 2004 Location: Diamond Bar, CA Age: 43 Posts: 1,545 Trader Rating: (0) Feedback Score: 0 reviews	if i remember correctly, the party with no insurance is lose by default.

12-02-2007, 03:41 PM	#8
ayuaddict Post Whore! Join Date: Jan 2006 Location: Socal Age: 36 Posts: 4,017 Trader Rating: (9) Feedback Score: 9 reviews	i hope she knows what its worth or you are going to have a problem. but i suppose everybody knows a 60s mustang when they see one. try to get insurance on it asap. most places allow you to purchase insurance online. but provided with the situation, the lady will be reluctant to go through insurance since her insurance will go up like crazy. be sure to NOT mention you didnt have insurance on the car better safe than sorry however.

12-02-2007, 03:42 PM	#9
NINJASPY Zilvia FREAK! Join Date: Oct 2007 Location: So-cal Los Angeles 626 Age: 44 Posts: 1,009 Trader Rating: (13) Feedback Score: 13 reviews	since there was no police report.... they(insurance or driver) can just deny your claim and say they never crashed into you at all.(dont say it cant happen because it did to me) TAKE PICS of your car and thier car. And make sure they want to pay you. Try to get things moving asap before they try to pull a fast one. Dont deal with their insurance company unless you want wait or have a chance that they can counter sue you saying that your car isnt insured and not street legal etc etc....,, were you parked in the street or your driveway? you best bet is to talk to the moms and tell her you are going to get a estimate on repairs and if she has any objections or wants to be there or get her mechanic/body man to check it out. get estimate, give to her, negotiate a settlement.... and I believe you have 10(?) days to report an accident? not sure.... on that.... BUT if you dont settle by then you need to report it to their insurance before its too late and they deny thier/your claim because its passed the deadline.... YEAH GOOD LUCK MAN

12-02-2007, 03:59 PM	#11
SW20Racer Nissanaholic! Join Date: Jan 2004 Location: Beaumont Age: 40 Posts: 1,633 Trader Rating: (0) Feedback Score: 0 reviews	hand them a piece of paper that simply states "i will pay for all repair costs" smoove talk them into signing it and be done with it. if they KNOW how much to expect to pay it might be a detriment to them agreeing. if you get a signature then present a bill, and they refuse hello court.

12-02-2007, 05:00 PM	#13
2f2fLOL Join Date: May 2007 Location: Fresno, CA Posts: 37 Trader Rating: (0) Feedback Score: 0 reviews	Even if you don't have insurance, you should be fine. If you decide to take it to the insurance company, they should still pay out. From my experience, they are still at fault and still will have to pay. I'm an insurance agent for one of the top three companies here in California, and I will double check with some of the adjusters in town to double check.

12-02-2007, 05:16 PM	#14
silviaz Zilvia Junkie Join Date: Jan 2005 Location: Beverly Hills Posts: 365 Trader Rating: (0) Feedback Score: 0 reviews	you car was in the street WITHOUT INSURANCE. It's YOUR fault now. She can say she wont pay and you are fucked. This is just stupid to let a 67 mustang without insurance just to save a coupe of bucks. you can say you are owned on every points.

12-02-2007, 05:25 PM	#16
89dc240 Zilvia Junkie Join Date: Nov 2006 Location: Just South of Philly Age: 41 Posts: 352 Trader Rating: (0) Feedback Score: 0 reviews	He said he was selling the car thats why there was no insurance on it. The parking it on the street thing blows, at least around here, they just randomly check cars that sit on the street for insurance coverage, and sticker it if its not covered. My advice, if they deny... get the estimates, get the pics of his car ASAP, go see Judge Judy. Or Joe Brown, or any of your choice of TV judges.

12-02-2007, 05:55 PM	#18
allntrlundrgrnd Nissanaholic! Join Date: Jul 2007 Location: Portland, OR Posts: 2,483 Trader Rating: (17) Rides Gallery: allntrlundrgrnd Feedback Score: 17 reviews	dont know your local laws but in my area its illegal to own a car w/o insurance

12-02-2007, 06:45 PM	#21
downshift_sideways No Limit Soldier. Join Date: Jan 2006 Location: Hayward CA, San Gabriel CA Age: 38 Posts: 5,550 Trader Rating: (0) Rides Gallery: downshift_sideways Feedback Score: 0 reviews	I guess we all have the s/z chasis curse or something lol. I'm heading over to their house at 7pm. __________________ allntrlundrgrnd: "you never really appreciate your parents fridge until you look into your own and its full of condiments only"

12-02-2007, 08:12 PM	#24
qwikspool Nissanaholic! Join Date: Jul 2006 Location: Murrieta, CA Posts: 1,912 Trader Rating: (6) Feedback Score: 6 reviews	sorry to hear about it. you should take the cash.

12-02-2007, 08:50 PM	#26
projekt_s13 Post Whore! Join Date: Jul 2005 Location: Chico/Pittsburg, CA Age: 39 Posts: 2,801 Trader Rating: (5) Rides Gallery: projekt_s13 Feedback Score: 5 reviews	wow paul, that sucks. Was it that dark grey or gunmetal altima? If it was,then yesterday after i left your house that faggot almost hit me. Fucken noob drivers. __________________

12-02-2007, 11:41 PM	#29
ESmorz Post Whore! Join Date: Oct 2007 Location: It Looks Like A Dong Posts: 6,902 Trader Rating: (2) Feedback Score: 2 reviews	Who hits parked cars on residential streets?

12-03-2007, 12:40 AM	#30
B18C5MK1 Zilvia Addict Join Date: Jun 2007 Location: San Clemente, CA Age: 44 Posts: 695 Trader Rating: (0) Feedback Score: 0 reviews	i got rear ended on the freeway and i didnt have insurance... we didnt do a police report either. his car was totaled. his insurance paid for my car to get fixed as well as my medical bills. this was about 2 years ago... back before the "insurance law" came in affect though. so im not sure how it would be handled now... call up your agent on your nissan and tell ask them a "what if" scenario... or if you trust your agent (mine i know personally as we live in the same town for 10+ years) just tell him/her what happened and what would be the best thing for you to do. its too late for them to sell you insurance on the 'stang, but they shouldnt have a problem giving you advice. __________________ weight reduction.