car accident? Do I report this?

posted 3 years ago in The Lounge
  • poll: What do I do?
    Report it : (23 votes)
    79 %
    Don't bother reporting : (5 votes)
    17 %
    I have another opinion : (1 votes)
    3 %
  • Post # 3
    Member
    5460 posts
    Bee Keeper
    • Wedding: August 2012

    You can report it, but depending on how much the damage would cost to repair, it might be under the reportable threshold.  You wouldn’t know that until you looked into it though.  The other person’s insurance should cover your repairs either way, even if it is less than the police would need to file an official report.  This is all based on my local laws though, yours may be different.

    Post # 4
    Member
    13010 posts
    Honey Beekeeper
    • Wedding: June 2011

    I doubt you’re going to find the guy now… unless you do remember his licence plate.  And even if you do, I’m going to bet it’s really hard to claim that he backed up into you.  He’s just going to claim you went forward into him cause, why would he just randomly back up in the road.  If it bothers you that much and you know his plates, you can try, I’d just try to be prepared to get nothing of it too.

    Post # 5
    Member
    957 posts
    Busy bee

    I would report it. You have nothing to lose. I wouldn’t have run the red light like your FH said… that’s breaking the law, and not worth potentially causing another accident. If you know the license plate number, then I would report it and tell them the exact story you told us here. 

    Post # 6
    Member
    259 posts
    Helper bee
    • Wedding: September 2014

    +1 PinkShoes.  Always get a police report documenting your side of the story.

    Post # 7
    Member
    141 posts
    Blushing bee

    It might not make much of a difference, but there is no harm in reporting it either… at the very least its on the record for if you do go through insurance to claim the repairs. 

    What an idiot the other guy is, how do you roll back into someone else and not notice?! 

    Post # 8
    Member
    382 posts
    Helper bee
    • Wedding: September 2014

    @MsGinkgo:  I would report it. If the guy backed into you, he backed into you.

    Like others have said you don’t have anything to lose. Plus if they reported it and you didn’t then they could turn around and ask why you didn’t report it. It was a “car accident” may it be a lot of damage or not. It still happened.

     

    Good luck! 🙂

    Post # 10
    Member
    681 posts
    Busy bee
    • Wedding: June 2014

    @MsGinkgo:  definitely go to a collision center and report it. That way there’s still an official record regardless of the damage being major or minor. Keep in mind that it was the front of your car and the rear of the truck….if the other driver tries to pull a scam and report it to their insurance, they could easily say you rear-ended them which means you are automatically at-fault and you could lose some insurance rating and possibly have your premiums go up. 

    In regards to the damage, have it checked out by a mechanic/body shop you trust. There could be damage to the interior that isn’t visible from the dents on the outside. Make it clear that your shopping around for an estimate so they don’t inflate the cost. Feel free to PM me if you have any questions:)

    Post # 11
    Member
    304 posts
    Helper bee
    • Wedding: September 2010

    You can always call your insurance company and ask. I once got my car keyed pretty badly in a parking lot and they let me get the car appraised without actually filing a claim. I ultimately decided it wasn’t worth it to file a claim. 

    But, I also think they would just consider it a hit and run or something if the guy didn’t stop and you don’t know his license plate number. If you do know it, he would probably say you rolled into him and things could get really messy, really fast. 

    Post # 12
    Member
    193 posts
    Blushing bee
    • Wedding: June 2014

    I’d report it – especially if you got the licence plate! Reporting it doesn’t necessarily mean you have to go through insurance either, so at least you might be able to recoup some costs directly from the individual/company even if it’s under the $1000. Otherwise, it’s still money out of your pocket for an accident that was in no way your fault. That said, I’m pretty sure you only have 24 or 48 hours to report accidents to the reporting centre in Ontario (not sure if it’s the same everywhere), so keep that in mind if you do decide to report.

    Post # 13
    Member
    537 posts
    Busy bee
    • Wedding: May 2013

    Definitely report it to the police. This is “failure to remain”/ hit and run under Canadian Law, and is potentially a federal criminal offense. Don’t let this a-hole get away with it!

    Post # 14
    Member
    537 posts
    Busy bee
    • Wedding: May 2013

    An insurance expert would be able to tell fom the damage who rolled into whom. Definitely worth reporting.

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