DigitalPackrat
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So I was rear ended in the Mustang today. This is new territory for me so I want to make sure I am doing stuff correctly. 19 years of driving and the only time I have had to call insurance was over a blowout that tore up the side of my truck.
Basically coming out of a parking lot making a right, I am stopped waiting for an opening, lady behind me decides to go and runs into me around 5MPH. It was a corner impact my left rear vs her right front. Visible damage on my end is the rear bumper and likely the tail light due to some deep scratches. On the other end was a Volvo S40, looks like the front bumper and one headlight need replacement.
My paranoid side leaves me worrying about a few things.
1) She asked me if the damage was already there. Might be nothing but I saved my house security footage from 30 minutes earlier which shows no damage on multiple cameras. I also saved all dashcam footage from leaving the house to returning to show just one person ran into me.
2) Her Geico insurance card was expired. She claims it was just an old copy.
3) Her husband came and prefers not to get insurance involved. I doubt that will work out with the cost of a bumper, paint and a tail light.
I haven't called my insurance (AAA) yet. I am thinking of getting a quote then giving the Volvo owner a few days to give me cash. I don't know how long I have to get insurance involved and I have no intention of letting things drag out. Is that a wise way to deal with this or should I call AAA tomorrow and get stuff started?
I did have the police come out. They just did an accident information exchange form and gave us both a drivers crash report to fill out. The report has a 10 day limit so I will mail it Monday, the incident being 7PM Saturday. They don't do an investigation unless its over $1000 which I am fairly certain would be exceeded with minor bumper contact of any two vehicles.
Basically coming out of a parking lot making a right, I am stopped waiting for an opening, lady behind me decides to go and runs into me around 5MPH. It was a corner impact my left rear vs her right front. Visible damage on my end is the rear bumper and likely the tail light due to some deep scratches. On the other end was a Volvo S40, looks like the front bumper and one headlight need replacement.
My paranoid side leaves me worrying about a few things.
1) She asked me if the damage was already there. Might be nothing but I saved my house security footage from 30 minutes earlier which shows no damage on multiple cameras. I also saved all dashcam footage from leaving the house to returning to show just one person ran into me.
2) Her Geico insurance card was expired. She claims it was just an old copy.
3) Her husband came and prefers not to get insurance involved. I doubt that will work out with the cost of a bumper, paint and a tail light.
I haven't called my insurance (AAA) yet. I am thinking of getting a quote then giving the Volvo owner a few days to give me cash. I don't know how long I have to get insurance involved and I have no intention of letting things drag out. Is that a wise way to deal with this or should I call AAA tomorrow and get stuff started?
I did have the police come out. They just did an accident information exchange form and gave us both a drivers crash report to fill out. The report has a 10 day limit so I will mail it Monday, the incident being 7PM Saturday. They don't do an investigation unless its over $1000 which I am fairly certain would be exceeded with minor bumper contact of any two vehicles.
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