I was driving and this girl turns in my lane in front of me from a driveway. As she turned in front of me she accelerated quite quickly. Moments later after joining the lane she apparently forgot something and wanted to parallel park at the side of the road. She hit the brakes and came to a quick stop about 10-15m ahead of where she joined the road. I didn't expect her to stop right after joining the lane and barely managed to slow down and crashed into the rear of her pickup truck. Her truck was pretty old but my BWM is quite new. My car got more damage than hers.She gets down and tells me its ok making as if I'm at fault and then suggests we park somewhere! We park, she goes to collect her purse from a shop (assuming that's what she forgot) and she says I can pay her $500 for her truck and not have to have my insurance rates go up or get tickets from the cops. I argue saying its her fault as she turned in front of me and then stopped suddenly and I hit her quite close to the stop where she came in. She then starts looking as if she's about to cry possibly to get sympathy but I insist that she pays me or we go through insurance. She agrees to pay for the repairs once I send her a quotation from any place I want and admits fault. I got a quote for $9000 approximately and sent it to her. She responds saying its expensive and that if she had the money she'd pay. She said she's a student living on a tight budget and it would take time for her to earn enough. She said she would pay in installments over 9 months. She claims if she passes through insurance her rates will go very high and she could get a careless driving ticket and the cost would be more for her. I don't know if that's true but then again she didn't seem that bright. I can afford to repair my car now myself but I'm not particularly rich or anything. I don't mind her paying in installments as long as she pays it all even if it takes a year or slightly more. Should I accept her installment offer? How safe is it to trust her on this? What if she does not pay the total amount? I have her contact information and insurance details and she has mine. I'm not sure if I can trust her on this, she did try to put the blame on me, she does not want to use insurance, she was acting in a way to try to make me feel pity for her by talking extremely timidly and politely and I do wonder if she's being honest about not having $9000. However if she really is as nice as she tried to seem and not just acting I don't mind her paying over a long time and if she pays on time, I could reduce the cost by putting in $1000 myself (or is that a bad idea?)

Topic

Dumb girl damaged my car and wants to repay in installments

by: andrew94 on

17 Replies

andrew94
Newbie
Newbie
Posts: 8
Joined: Tue Jul 08, 2014 4:03 pm

Re: Dumb girl damaged my car and wants to repay in installme

That is because I genuinely thought she owned me that and learned things along the way and did not know of the 1000 rule and nor did she. I'm asking this stuff so I can do what is right. She is very nice and corporative with me on the phone. I will find out about the fault stuff for sure and let her know that insurances might find me at fault as she initially thought. I have already told her there was previous damage and sent the photos. If I owe her money as she initially demanded I will definitely pay. I have enough funds and its not a problem for me. And I feel bad for calling her a dumb driver now. I did provide clear information and agreed that she did join the lane and stop a little bit later. Its not to hard to meet her as we live in the same apartment building and go to the same university. Believe me I have no intention of scamming I want to do the right thing legally and neither of us want to report it. I did think there was a loophole in which of two accidents damage the same area the last claim fixes the whole thing. If I'm at fault truely then she deserves to get the funds for her vehicle from me which won't be much anyway by what I saw and her vehicle is old. I still don't know how it works with 2 accidents in the same place. Like since it was already damaged only the headlamp and a metal part which were intact got damaged and the other parts were already damaged but deformed more. Had my car been perfect those other parts would be damaged in this accident only. If this passed through insurance would they fix just the headlamp if they knew of the previous damage?

argyll wrote:

So therefore I say again: you tried to scam her out of over $8,000 by getting her to repair things that were already damaged.

You've gone from wanting $9,000, to wanting $1,000 to not wanting anything to being willing to pay her in the space of this thread.

At this point I think you cut your losses and just go your separate ways.

That is because I genuinely thought she owned me that and learned things along the way and did not know of the 1000 rule and nor did she. I'm asking this stuff so I can do what is right.

She is very nice and corporative with me on the phone. I will find out about the fault stuff for sure and let her know that insurances might find me at fault as she initially thought. I have already told her there was previous damage and sent the photos. If I owe her money as she initially demanded I will definitely pay. I have enough funds and its not a problem for me.

And I feel bad for calling her a dumb driver now. I did provide clear information and agreed that she did join the lane and stop a little bit later. Its not to hard to meet her as we live in the same apartment building and go to the same university. Believe me I have no intention of scamming I want to do the right thing legally and neither of us want to report it. I did think there was a loophole in which of two accidents damage the same area the last claim fixes the whole thing.

If I'm at fault truely then she deserves to get the funds for her vehicle from me which won't be much anyway by what I saw and her vehicle is old.

I still don't know how it works with 2 accidents in the same place. Like since it was already damaged only the headlamp and a metal part which were intact got damaged and the other parts were already damaged but deformed more. Had my car been perfect those other parts would be damaged in this accident only. If this passed through insurance would they fix just the headlamp if they knew of the previous damage?

Stanton
High Authority
High Authority
Posts: 2111
Joined: Tue Feb 01, 2011 8:49 pm
Location: Ontario

Posting Awards

Re: Dumb girl damaged my car and wants to repay in installme

That's completely incorrect. It's not how much you decide to spend on repairs that determines if it's reportable, it's how much apparent damage there is. If the total damage (that means both vehicles combined) is $1,000 or more it MUST be reported by law. The damage to your vehicle alone makes it reportable, plus whatever damage occurred to her car.

andrew94 wrote:

If she pays $1000 or less it does not need to be reported

That's completely incorrect. It's not how much you decide to spend on repairs that determines if it's reportable, it's how much apparent damage there is. If the total damage (that means both vehicles combined) is $1,000 or more it MUST be reported by law. The damage to your vehicle alone makes it reportable, plus whatever damage occurred to her car.

argyll
VIP
VIP
Posts: 888
Joined: Fri Jun 25, 2010 3:30 am

Posting Awards

Re: Dumb girl damaged my car and wants to repay in installme

That's ok. The next post will say that the damage to his car was $949 and $50 to hers so he's ok.

That's ok. The next post will say that the damage to his car was $949 and $50 to hers so he's ok.

Former Ontario Police Officer. Advice will become less relevant as the time goes by !

Similar Topics

Return to “General Talk”



Featured Topics

Suspicious car on the street

General Talk Squishy

I was at my parents' house in Mississauga early this week, and my mother told me about this SUV which always parks down the street for four to six hours a day, headlights on and the occupants inside. When she takes her afternoon walk, she will usually see a man and a woman inside smoking or…

Ontario Police Problems?

General Talk admin

This thread is dedicated to talk about any Police Problems that you have encountered in Ontario, Canada.

The problem or complaint MUST be related to a Driving offense!

This is NOT an open invitation to Attack our Police force in Ontario, BUT if you have certain issues or complaints, please tell your…

G2 driver, BAC .03%, 2 tickets. Does it affect insurance?

General Talk Gen_V

Hey

Last week, around 9:30 at the Britannia water purification plant (Ottawa), undercover cops put on their lights. I was outside of my mom's vehicle (van) about to go for a simple #1 in the bushes (even had a bunch of tissues in my hands) when one officer asked me what I was doing (my bf was also…

Guidelines for submitting video evidence?

Courts and Procedure HiGloss

We are living in the age of digital video. HD 720p and 1080p CRYSTAL CLEAR Video. If a picture is worth a thousand words, then a video is worth a million.

I had video evidence for a case but it was not accepted. I apparently did not submit it properly/ at the right time. Despite this I had my ticket…

Electric Cars in Ontario?

General Talk racer

According to current regulations, no electric car can be driven in Ontario (and anywhere else in Canada except BC). Do you find it somewhat ridiculous that, despite all the fanfare about the environmentally friendliness talk, and high gas prices moans, we cannot use the most…

People are Driving Faster

General Talk tdrive2

Hey guys i just wanted to know what speeds you see others do on the roads on a regular basis. As we all know no body drives 100 km. It seems they only hit that speed twice once on the way up and once on the way down.

it seems the De Facto limit on the 401 is about 120-130. But lately i dont know if…

What are the potential tickets/fines??

General Talk manitoba10

I might be moving from Manitoba to the Ottawa area.

My question is, I drive a 4x4 truck and my summer tires stick out beyond the fenders about 1.5-2inches. Is that illegal in Ontario? If so will installing fender flares take care of the problem? Also the truck has True dual exhaust (2 pipes from…

Parking too close to a driveway?

Parking Tickets hamilton11

Okay so while at school today i parked on a residential street in Hamilton Ontario. the person in front of me did not pull up very far so i was forced to park fairly close to the driveway of the house i was in front of. I got out to make sure they had plenty of room to drive out if they wanted to,…

121 km/h in a posted 80 km/h - Disclosure attached

Exceeding the speed limit by 30 to 49 km/h sparrow

Hey guys,

Just wondering if I can get some help on what to do for this ticket. I have a court date on August 17th. I simply cannot afford this. I haven't had an offence in years, and pay attention to my speeds now. One night when I was too focused on the road and not the speedometer, I get pulled…

147 in 90 zone - first offence - probable outcome?

Stunt Driving Dorito

Hi,

I got pulled over for doing 147 in a posted 90 zone on hwy 17 heading east towards Ottawa where I live. My car was impounded for 7 days and the officer took my licence. I'll probably go with one of those traffic ticket places. I don't feel like driving to North Bay 4 or 5 times.

The initial shock…