Hi everyone, I need your help. I got into an accident last night when I rear-ended the driver in front of me. My car didn't sustain any damage but the other driver's rear bumper got a dent (nothing too too big, but not too small either). As we were both in a rush, we exchanged Names, phone numbers and took photos of each other's car's license plates and damages (no photos of the cars next to each other was taken). NO Driver's License or Insurance information was exchanged. The other guy called me today and told me that he went to a collission reporting centre and got a police report filled out. I haven't done that yet. I offered to get his car repaired outside insurance through a bodyshop I know but he is being very difficult, wants to go through insurance and said that even if he were to settle without going to insurance, he wants to get it repaired from his dealership only (the cost of which is twice the amount I would have paid my bodyshop guy). I am a 20 year student and don't have 2500 dollars (his Mercedes dealership quoted for the bumper replacement) but he just won't budge. The reason I don't want to go throuh insurance is because my father already has had a lot of accidents on his policy (which I am under) and the insurance company will drop us altogether if there is one more accident on the policy. The guy is being very threatening and is not willing ot budge on anything. I was wondering, outside of my name and my car's license plate, what other proof he has against me? Does he have a case to stand on if I were to just simply ignore him and not get a police report filled out, inform my insurance and just ignore him. How will he prove that I was actually involved in an accident etc? Please respond asap. I would greatly appreciate your help with this.
Hi everyone,
I need your help. I got into an accident last night when I rear-ended the driver in front of me. My car didn't sustain any damage but the other driver's rear bumper got a dent (nothing too too big, but not too small either). As we were both in a rush, we exchanged Names, phone numbers and took photos of each other's car's license plates and damages (no photos of the cars next to each other was taken). NO Driver's License or Insurance information was exchanged.
The other guy called me today and told me that he went to a collission reporting centre and got a police report filled out. I haven't done that yet. I offered to get his car repaired outside insurance through a bodyshop I know but he is being very difficult, wants to go through insurance and said that even if he were to settle without going to insurance, he wants to get it repaired from his dealership only (the cost of which is twice the amount I would have paid my bodyshop guy). I am a 20 year student and don't have 2500 dollars (his Mercedes dealership quoted for the bumper replacement) but he just won't budge. The reason I don't want to go throuh insurance is because my father already has had a lot of accidents on his policy (which I am under) and the insurance company will drop us altogether if there is one more accident on the policy.
The guy is being very threatening and is not willing ot budge on anything. I was wondering, outside of my name and my car's license plate, what other proof he has against me? Does he have a case to stand on if I were to just simply ignore him and not get a police report filled out, inform my insurance and just ignore him. How will he prove that I was actually involved in an accident etc?
Please respond asap. I would greatly appreciate your help with this.
Anyone who is on the receiving end of an accident has the legal right to have their car repaired wherever they choose. They are not entitled to make your life easier by going to some Joe Shmoe based on your recommendation. Having a car repaired through a dealer, while expensive, is not unreasonable. The dealer doesn't do these repairs anyways. They are outsourced to body shops in which they have a relationship with. These same body shops usually have a relationship with the major insurance companies also based on their quality. A full bumper replacement is perfectly reasonable. As someone on the receiving end of an accident, i'm entitled to be made whole. Having a bumper repaired with body filler because you were driving too close is not being made whole. If you ruin your own bumper and feel bondo is an acceptable fix, that's your prerogative. Cars are also equipped with bumper beams to help absorb the impact of an accident (mandatory in Canada). This may also need to be replaced. It is also not uncommon for bumpers to require additional trim pieces. Not all bumpers, especially Mercedes, are built in one easy piece. A quality shop will also take the time to blend the panels together so one is not darker or lighter than the other. Cheap body shops don't bother and you're left with uneven shades among the different panels. $2500 for the replacement of a panel plus repaint is not uncommon. As for not having the money, either: (a) find it (b) go through insurance (c) stop hitting people. As for running away from your problems, grow up.
Cowsgo wrote:
Hi everyone,
I need your help. I got into an accident last night when I rear-ended the driver in front of me. My car didn't sustain any damage but the other driver's rear bumper got a dent (nothing too too big, but not too small either). As we were both in a rush, we exchanged Names, phone numbers and took photos of each other's car's license plates and damages (no photos of the cars next to each other was taken). NO Driver's License or Insurance information was exchanged.
The other guy called me today and told me that he went to a collission reporting centre and got a police report filled out. I haven't done that yet. I offered to get his car repaired outside insurance through a bodyshop I know but he is being very difficult, wants to go through insurance and said that even if he were to settle without going to insurance, he wants to get it repaired from his dealership only (the cost of which is twice the amount I would have paid my bodyshop guy). I am a 20 year student and don't have 2500 dollars (his Mercedes dealership quoted for the bumper replacement) but he just won't budge. The reason I don't want to go throuh insurance is because my father already has had a lot of accidents on his policy (which I am under) and the insurance company will drop us altogether if there is one more accident on the policy.
The guy is being very threatening and is not willing ot budge on anything. I was wondering, outside of my name and my car's license plate, what other proof he has against me? Does he have a case to stand on if I were to just simply ignore him and not get a police report filled out, inform my insurance and just ignore him. How will he prove that I was actually involved in an accident etc?
Please respond asap. I would greatly appreciate your help with this.
Anyone who is on the receiving end of an accident has the legal right to have their car repaired wherever they choose. They are not entitled to make your life easier by going to some Joe Shmoe based on your recommendation. Having a car repaired through a dealer, while expensive, is not unreasonable. The dealer doesn't do these repairs anyways. They are outsourced to body shops in which they have a relationship with. These same body shops usually have a relationship with the major insurance companies also based on their quality.
A full bumper replacement is perfectly reasonable. As someone on the receiving end of an accident, i'm entitled to be made whole. Having a bumper repaired with body filler because you were driving too close is not being made whole. If you ruin your own bumper and feel bondo is an acceptable fix, that's your prerogative.
Cars are also equipped with bumper beams to help absorb the impact of an accident (mandatory in Canada). This may also need to be replaced. It is also not uncommon for bumpers to require additional trim pieces. Not all bumpers, especially Mercedes, are built in one easy piece. A quality shop will also take the time to blend the panels together so one is not darker or lighter than the other. Cheap body shops don't bother and you're left with uneven shades among the different panels.
$2500 for the replacement of a panel plus repaint is not uncommon.
Oh, I don't know. How about the pictures he took of your car? And what do you mean, 'outside of my name and licence plate'... he already has this information and you somehow don't think it's enough? You're setting yourself up to be charged by the police for failing to report an accident by putting your head in the sand. Or if your father is the registered owner, they'll charge him instead. As far as proving you were involved, he has photos of the damage, and your car, and your name, and your licence plate, and providing even the briefest of descriptions of you is all that is needed to prove that you were involved. Good luck.
bend wrote:
Cowsgo wrote:
The guy is being very threatening and is not willing ot budge on anything. I was wondering, outside of my name and my car's license plate, what other proof he has against me? Does he have a case to stand on if I were to just simply ignore him and not get a police report filled out, inform my insurance and just ignore him. How will he prove that I was actually involved in an accident etc?
Oh, I don't know. How about the pictures he took of your car? And what do you mean, 'outside of my name and licence plate'... he already has this information and you somehow don't think it's enough?
You're setting yourself up to be charged by the police for failing to report an accident by putting your head in the sand. Or if your father is the registered owner, they'll charge him instead.
As far as proving you were involved, he has photos of the damage, and your car, and your name, and your licence plate, and providing even the briefest of descriptions of you is all that is needed to prove that you were involved.
Good luck.
No, I am not the chief of Toronto Police.
No, I do not work for Toronto Police...
... it is just a name folks
He'll just inform his insurance company and they'll notify your insurance company. That's how the system works. If your insurance company comes calling (which, they will), if you try to deny that you were involved, you could be charged with fraud, in addition to possibly being charged with Failing to Report by the police. They only need proof beyond a reasonable doubt that you were involved... and they've got that. To over-simplify, he only has to point to you and say "he did it," and you are toast. Report the collision, and then figure out how you're either going to find the $2500, or start shopping for a new insurance company in anticipation of having your current coverage terminated.
Cowsgo wrote:
The guy is being very threatening and is not willing ot budge on anything. I was wondering, outside of my name and my car's license plate, what other proof he has against me? Does he have a case to stand on if I were to just simply ignore him and not get a police report filled out, inform my insurance and just ignore him. How will he prove that I was actually involved in an accident etc?
He'll just inform his insurance company and they'll notify your insurance company. That's how the system works. If your insurance company comes calling (which, they will), if you try to deny that you were involved, you could be charged with fraud, in addition to possibly being charged with Failing to Report by the police. They only need proof beyond a reasonable doubt that you were involved... and they've got that. To over-simplify, he only has to point to you and say "he did it," and you are toast.
Report the collision, and then figure out how you're either going to find the $2500, or start shopping for a new insurance company in anticipation of having your current coverage terminated.
* The above is NOT legal advice. By acting on anything I have said, you assume responsibility for any outcome and consequences. *
http://www.OntarioTicket.com OR http://www.OHTA.ca
i lost my license in an accident i had to due my exceeding amount of demerit points. i went to jail and made bail i was put on a curfew of 9am to 9pm stupidly enough i did not follow and i got pulled over for driving with a different cars license plates, no insurance, and violating my curfew... i…
I was charged for disobey sign (no left turn) in a winter noon time around Bay/Edward (the prosecutor/judge said it to be a Absolute liability offences but disobey sign is actually a strict liability offence, right? And I found this: For example, if you made an illegal left-turn where there were…
so got fined with 69km in a 50km, at bottom of hill...didn't even have foot on the gas. first ticket ever in over 10 years of driving. fine was 62$ and 3 points.
cop says take to court and get demerit points reduced. didn't even let me speak and walks away.
On my way to work today I got a 110 dollar ticket + 2 demerit points.
I was driving north on Bathurst and turned left onto a side street into a residential area before hitting the lights at Eglinton and Bathurst. I normally do this to avoid the big line up to turn left onto Eglinton.
On the 400 extension EB towards Barrie cops like to hide out under an over pass that is Ski Trails Rd. They tag people as the come over the crest of the hill and that is 900m from where this officer was standing.
I'm confused because I knew this, saw the cop, and checked my…
I was making a left hand legal turn on a green light, a driver came through the lane I was supposed to be going into ran the red and hit me head on as I was turning into my lane. When the officer came he was telling me that I was racing and driving recklessly because apparently there was reports of…
Today i got caught doing 115 in a 90 at Mayfield and 410 and what I have been reading is that this offence is 3 points. Seeing this is my first offence I'm unsure if the ticket is supposed to I lost 3 points or is that just automatic. Also should I go to fight it to drop the points and just pay the…
I was (recently) involved in a traffic accident where, due to icy road conditions, I slid into oncoming traffic while making a right turn, while they were coming towards me and stopping at a stop sign. This was a residential area and there's no way I was exceeding anything over 20KM/h on…
