Post # 1
I was driving home tonight, and was stopped at a red light when someone rear-ended me. We called the cops, who gave me two options, one was an official report with a ticket for her, the other was a “quasi-report” with no ticket for her, but said she was still at fault and if there was a problem, he would be called to testify. I took the second, an am just a little nervous about the whole process. (This is my first one.) Anyone who has been there and done that, please offer some encouragement that this will all be ok, and will they get me a rental while my car is repaired?
Post # 3
Contact your insurance company and give them the insurance information for the person who wrecked your car. They’ll send someone out to view your car and/or tell you go to an auto shop/dealership. It’ll work out. They, their insurance company, *might* get you a rental.
Post # 4
- Wedding: January 2011 - Vintage Villas
I got rear-ended once and it totaled my car! 🙁 I didn’t get a rental, though.
Post # 5
Hmmm. I have been involved in several accidents (all of which were not my fault). My insurance company wanted proof of the written police report for the accident. I would call you insurance company ASAP to start working on this!
Post # 6
I was involved with someone where a “quasi-report” was issued. All was fine until he decided to contest the point that was to be charged to his driving record. He blamed the road configuration for his failure to stop in time. Anyway, the three cars he hit, which were stopped at a red light, were repaired or totalled and were covered by his insurance. We all had to go to court where he asked the judge to drop the point against his record because he was an independent contractor. The judge complied. My car was fixed and charged to his insurance, but I lost a day of work for the court appearance. You may need to front the deductible if the person who hit you doesn’t carry the same insurance. It depends on your insurance. I’m sorry this happened to you.
@beekiss2 is right with the reporting information. Every state is different, but in many cases there is a timetable you must follow for reporting. Good luck!
Post # 7
You’ll be just fine hun!! It is really scary, but you absolutely did the right thing in calling the cops. With their documentation, you’ll be fine.
I agree with the other bees — call your insurance company. They might ask you for a statement and the police report. I got backed into this spring and I dealt with 1 insurance agent assigned to my case. I communicated with him regarding all the details, and my insurance company talked to the other person’s insurance company.
I think rental cars are only provided if it’s in your insurance policy, though. They’ll be able to tell you. Give them a call and they’ll handle it from there! 🙂
Post # 8
you definately need a report – just in case. and just having a report number does NOT cut it. (that can often be just a “CAD” number with no report attached to it) depends on the damage and if the other person’s insurance company wants to be evil.