Post # 1
So this morning, I was sitting at a stop light behind a flatbed tow truck – a good distance back. He starts rolling, he’s not stopping, I start wailing on my horn. He finally stops and it looks like the back roller thingy is sitting on the hood of my car (But I can’t actually tell). He pulls forward and there’s probably almost a car length between us. I don’t pull forward. But sit there repeating the license plate number to myself and shaking rather badly – this was terrifying!
Light turns green, he makes the left as the light turns red so I can’t make the left as well (which is what I’m waiting to do). I make the left and he’s nowhere to be seen and I get stuck at another red.
I get to work and there’s a small dent on the hood of my (actually FH’s) car as well as a 4-6″ maybe scratch. The car is covered in salt so it’s actually really hard to tell how much damage was really done.
I call FH after taking pictures (with my coworkers phone – wouldn’t you know that today’s the day I forget my phone too). He thinks I should have run the red light after the guy (is that a male brain or what). I explained that I didn’t know if he’d actually hit me until I got to work. The people at work think I should go to the collision reporting centre, FH is really annoyed but seems to think it’s pointless, so I’m turning to the hive. What do I do?
Post # 3
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
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
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
+1 PinkShoes. Always get a police report documenting your side of the story.
Post # 7
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
@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 # 9
@DaneLady: I don’t think that the damage is over $1000 which is what is required to be reported by law – but at the same time, I don’t know for sure yet – paint and dents can be quite expensive to fix.
@pinkshoes: I do know the plate number, I didn’t get the company name unfortunately
@MrsGatito: I have the plate, the reporting centre isn’t far from my office, maybe I’ll head over or call at lunch.
Post # 10
@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
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
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
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
An insurance expert would be able to tell fom the damage who rolled into whom. Definitely worth reporting.